Tom Lockwood

Direct Line: 800-913-3419

Schedule an Appointment with Tom

Hi there! I’m Tom Lockwood, and I would like to take the opportunity to welcome you to HSA for America and tell you a little bit about myself.

I made the decision to begin a career as an insurance agent after an experience I had while researching insurance policies for my wife and myself.  I had received information from several different companies and let them know that I would like some time to think about my options.  One of the agents with whom I had spoken did not like this approach and instead began to badger me to make a decision and of course choose him to provide the service to me.

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The agent I ultimately ended up choosing to help me was both kind and compassionate, and I felt like he both cared about and understood my issues.  With his help, I was able to make an insurance decision that provided the coverage I needed and saved me money!

Making Connections and Helping Others

This experience gave me insight in to what I wanted to do with my life.  I had been working in a management position in IT and was ready to make a change.  Since I know from personal experience that making an insurance decision can be confusing and difficult, I decided to become an agent myself.

I wanted the opportunity to help support and guide people make health insurance decisions instead of being one of those who only cared about making the sale.  I try to live a life of honesty, integrity and caring in my personal life, and what a boon it has been to be able to live those same principles in my professional life as well!

One of the things I love the most about working at HSA for America is having the opportunity to establish relationships with my clients.  I believe life as a whole is all about making connections with people and doing whatever is in our power to lift one another up.  Being able to truly connect with my clients allows me to help them choose an insurance policy that will meet their specific needs.  After all, there is no one insurance policy that will fit the needs of everyone.  It is very satisfying to know I have helped people have peace of mind by knowing their insurance plan is shaped around their individual needs.

World Traveler and Happy at Home

When I am not working, I am happy surrounding myself with my family and friends.  I have been married to my wife, Margret, for over 40 years, and every day I am grateful that she has chosen to stick by me all this time! We have lived in many different places due to my Navy career, and in fact I met my wife in Iceland.

My Beautiful Wife Margret Is My Inspiration

Margret has been the mainstay of not just my life, but the lives of our two children, Melissa and Gunnar.  Even though both of them are grown and have established their own lives, we remain very close and see each other often.  Melissa and her husband have given us two beautiful grandchildren.

I am extremely dedicated to my career (although my wife sometimes calls me a perfectionist!), but I also have hobbies that help keep my life balanced.  I have played the guitar since I was a teen, and I love to jam with my other musician friends.  Getting together with friends to play the music we love helps me continue to establish connections with people.

Taking a Break While Cycling
With Luke and Tyler

Our daughter Melissa, her husband
Jason and grandsons Luke and Tyler

Son Gunnar with  girlfriend Aiko

Luke and me Riding the Rails

Building Relationships

As a Personal Benefits Manager at HSA for America, I am fortunate enough to be able to build relationships with each one of my clients.  I am proud to be able to work for a company that values honesty and integrity as much as I do, as I think that a successful business always does what it says it’s going to do.  I love being able to present my clients with a variety of insurance options based on their needs, and help them take control of how they choose to spend their health care dollars.

I look forward to working with you!


tom lockwood

Tom Lockwood
Direct Line:  800-913-3419
Schedule an Appointment with Tom


1001-A E. Harmony Rd #519 Fort Collins, CO 80525
Telephone: 800-913-0172 | Fax: 970-999-0989 | © 2022 - All Rights Reserved

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