Accident Insurance
An unexpected injury can create expenses beyond the medical bill. Accident coverage can provide cash after a qualifying injury and covered treatment.
Explore coverageYour life. An extra layer of protection.
More life.
Less what if.
Keep moving toward what matters. Explore Aflac coverage with HQINS to help prepare for the expenses life doesn’t plan for.
For individuals, families and employers. Availability and policy terms vary by state and plan.
Your coverage perspective
For the things you can’t put on pause.
From an unexpected injury to the everyday needs of your family, start with the priorities that feel closest to home.
Explore this sectionHealth insurance is a start. Life keeps going.
An injury or illness can affect more than a medical bill. Housing, groceries and other responsibilities can continue during recovery.
Explore this sectionA conversation built around you.
Share your priorities with HQINS. Ask about availability, policy details and the next steps for your situation.
Connect with HQINS
HQINSHIGH QUALITY INSURANCE SOLUTIONS×HQINS in partnership with Aflac.
A personal conversation. A clearer view of your options.
Protect your possibilities
For the things
you can’t put on pause.
From an unexpected injury to the everyday needs of your family, start with the priorities that feel closest to home.
Cancer Insurance
Cancer coverage can add financial support from eligible screenings through covered treatment and recovery, helping protect the household budget.
Explore coverageCritical Illness Insurance
A covered major health event can interrupt income and family plans. Critical illness insurance can provide a lump-sum benefit for a qualifying diagnosis.
Explore coverageLife Insurance
Life insurance can help loved ones manage financial responsibilities after the insured dies from a covered cause.
Explore coverageDental Insurance
Plan for preventive visits and help with eligible basic and major dental procedures.
Explore coverageShort-Term Disability Insurance
When a covered illness or injury prevents work, short-term disability coverage can replace part of lost income during recovery.
Explore coverageUnderstand the bigger picture
Health insurance is a start.
Life keeps going.
An injury or illness can affect more than a medical bill. Housing, groceries and other responsibilities can continue during recovery.
- Understand what your existing benefits already do.
- Explore support for specific covered events.
- Choose with a clear view of costs and limits.
A layered approachDifferent roles.
Different roles.
A stronger conversation.
Select a layer to understand its role.
Major medical insurance helps pay for medical care under its network, cost-sharing and plan terms. Review what you already have.
Savings and existing benefits are part of your financial picture. Consider what you could use toward unexpected expenses.
Supplemental policies cover specific events under their terms. They do not replace major medical insurance or cover every expense.
Each layer has a distinct purpose. Supplemental policies do not cover every expense or replace major medical insurance.
Your coverage compass
What matters most to you?
Choose a priority to reveal a few useful places to begin.
A thoughtful path forward
From “where do I start?”
to “I understand my options.”
01 /
Tell us your priorities.
Start with the people, routines and financial responsibilities you want to protect.
02 /
Get clarity on the details.
Discuss availability, benefit limits, waiting periods, premiums and how coverage works alongside what you have.
03 /
Choose your next step.
Review your options with HQINS. If you apply, coverage begins only under the insurer’s approval and policy terms.
The planning studio
See the gap. Start a conversation.
A few personal assumptions can make an abstract question feel more concrete. Try the interactive expense planner.
Adjust the sliders to explore your own scenario.
Your scenario
Resources compared with modeled needs
Illustration · your assumptions
Potential expense planning gap$4,000Available resources appliedRemaining gap
Illustrated total needs$8,000
Your available resources$4,000
Formula: medical costs + monthly bills × months − available savings, with a minimum of $0. Enter your own assumptions. This does not calculate insurance benefits or premiums. Educational only; not a quote, benefit estimate, or coverage recommendation.
Discuss these prioritiesFor the people behind your business
Build benefits around your team.
Explore voluntary coverage, group benefits and employer services with a clear view of enrollment and administration.
A conversation changes things
Let’s make your
next step a clear one.
Tell us what you want to protect. HQINS can help you explore Aflac coverage, understand the details, and discuss the options available to you.
HQINSHIGH QUALITY INSURANCE SOLUTIONSYour contact cardChino Hills, California
13925 City Center Drive, Suite 267Chino Hills, CA 91709View office address on Google Maps ↗Save HQINS to your contacts