DTRIC Insurance offers personal automobile, homeowners and affordable umbrella insurance programs. Members benefit from DTRIC’s competitive rates, money-saving discounts and benefits, affordable payment plans and personalized service.  Click HERE for more details. 

American Income Life is offering HGEA members a new benefit of $4,000 Accidental Death & Dismemberment Benefit. Please contact Will Rol @ 808-741-7777 or or click here for more information.


Exclusively for HGEA members, underwritten by Life Insurance Company of North America, Administered by MWG Mestmaker & Associates. For more information, please contact Life Manager Derik LaBenz at 284-9933 or

NEW HGEA members are eligible to enroll in all plans within the first 90 days of membership.  Please call 1-833-448-6466 to enroll.

Critical Illness Plan - This plan pays a lump sum benefit upon diagnosis of a covered critical illness (including cancer, heart attack, stroke, Parkinson’s Disease, heart disease and more). There is no waiting period, and there are no age restrictions! Guaranteed Issue for members and their dependents.

Group Term- Life Plan - Guaranteed Issue life insurance with no health questions for up to $200,000 coverage for members, up to $75,000 for your spouse, and up to $10,000 for dependents. $500,000 may be purchased with evidence of insurability.

Cancer Medical Reimbursement Plan - Plan is designed to reimburse most out-of-pocket cancer expenses not paid in full by your primary health insurance plan.  Cost is $56 a year individual or $62 a year for a family.

Aura Identity guard Ultimate Plan - This plan is a "One Stop Shop" for cyber wellness.  the Aura Identity Guard provides a "Digital Halo" of security to manage and help protect personal information. The individual plan is $9.85 per month and family plan is $17.85 per month.



OPEN ENROLLMENT PERIOD for Critical Illness and Group Life Insurance runs from ***May 15, 2022, to August 15, 2022*** 

Click HERE for more information on open enrollment.


AmFirst Insurance Policy holders (former Royal State Insurance - Group Life Insurance ONLY) - Please call 1-844-448-3783 or email for questions. This is for current policyholders only.  NO new policies can be written through AmFirst Insurance.