HFA Life · Last updated July 30, 2026

Terms of Use

By using this site, you agree to these terms. If you do not agree, please do not use the site or submit personal information.

Educational information only

This site provides general educational information about life insurance, annuities, and wellness programs. It is not an offer to sell, a solicitation to buy, a recommendation, tax advice, legal advice, medical advice, investment advice, or a guarantee of coverage, approval, price, benefit, or reward. Product availability and features vary by carrier, state, underwriting, contract, and eligibility.

Licensed-professional conversations

HFA Life is not an issuing insurance carrier or registered investment adviser. A request for information may be routed to a licensed insurance professional. That professional must provide their legal identity, licensing information, carrier affiliation, and applicable state and product disclosures before offering a recommendation or accepting an application.

Wellness and annuity information

Any Vitality, Galleri, Apple Watch, healthy-food, travel, or device references are subject to the applicable program terms and eligibility requirements, which may change. Annuities are insurance contracts and can involve surrender charges, withdrawal limits, tax consequences, market-value adjustments, and issuer claims-paying risk. Consult qualified tax, legal, and financial professionals about your circumstances.

Your submissions

Provide only accurate information and do not submit sensitive medical, financial, payment, policy, or government-identification information through the website form. You request a response by submitting the form; submitting does not create an advisory, insurance, fiduciary, or client relationship and does not bind anyone to provide insurance.

Website availability

We may update, suspend, or discontinue website content at any time. To the fullest extent permitted by law, the site is provided “as is” without warranties. These terms do not limit any rights that cannot legally be waived.

Contact

Questions about these terms may be sent to [email protected].