Accidents Happen

Life is anything but predictable . . . Accidents happen fast, without warning, anywhere, anytime. It’s a simple fact of life. But they don’t have to catch you unprepared. With an accident policy, you can rest assured that you’re protected if a covered accident happens to threaten your financial security, or the security of your family. So give yourself and your family the protection and peace of mind you need.

Accident Facts

Unintentional injuries are the leading cause of death for persons ages 1 to 38 and the 5th leading cause of death overall.

On the average during the year, 11 unintentional-injury deaths and about 2,200 disabling injuries occur every hour.

About 39 percent of all hospital emergency department visits in the United States are injury-related.

Nearly 90 percent of deaths and 60 percent of disabling injuries suffered by workers in 1997 occurred off the job.

Production time lost due to off-the-job injuries totaled about 140 million days in 1997.

Estimates of total cost of occupational deaths and injuries in 1997 are $127.7 billion.

The total estimated cost of unintentional injuries in 1997 is $478 billion.

Source: 1998 edition Accidents Facts, National Safety Council.

Accident Policies Protect You Eight Ways
Ambulance Benefits
Medical Expenses
Hospital Expenses
Intensive Care Benefits
Physical Therapy Benefits
Family Lodging & Transportation
Dismemberment Benefits
Accidental Death Benefits

Benefits are paid directly to you.
Pays in addition to any other medical coverage.
Protects you 24 hrs a day on or off the job.
Guaranteed renewable up to age 65.
Family members receive full benefits.
There is no limit on the number of accidents covered.
Coverage can start as soon as 72 hours after application.

Did You Know?
Most major medical policies don't cover emergency room visits for accidents. Therefore 100% of the emergency room visit for you son falling out of the tree house and breaking his arm will be paid by you out of your pocket. Most people think that even if they have a major medical plan that covers 100% this will be covered but it won't! 100% is 100% of the applicable charges not 100% of everything!

What is generally not covered on an accident plan

Operating, learning to operate, serving as a crew member of or jumping or falling from any aircraft. Aircraft includes those which are not motor-driven.
Engaging in hang gliding, bungee jumping, parachuting, sailgliding, parakiting, or hot-air ballooning.
Participating or attempting to participate in an illegal activity.
Intentionally causing a self-inflicted injury.
Having any sickness, illness or bodily infirmity.
Committing or trying to commit suicide, whether sane or insane.
Dental care or treatment due to accidental injury to natural teeth.
War or any act of war (whether declared or undeclared) or participating in a riot or felony.
Alcoholism or drug addiction.
Injury originating prior to the effective date of the policy.
Injury to a covered person while practicing or being a part of organized or competitive football or rodeo, sky diving, or scuba diving.

Exclusions and limitations vary by policies by state, so always refer to your policy or outline for applicable exclusions and limitations.

Almost anyone can qualify for an accident policy even if they cannot get major medical. There are very few health questions, and coverage generally starts within 72 hours of the application.

To learn more about Accident plans and how they can benefit you click below.