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MILLIONS of people have accidents every year. Will you or your family be affected?
	Accidents and disabilities can create serious financial worries. A supplemental accident plan can help protect you and your loved ones from those concerns by providing additional assurance that major medical plans can't. In addition to the routine expenses that medical insurance covers, there are additional costs that you must pay yourself - not to mention the possibility of lost wages.
Protect your most valuable asset ... your income!
With a supplemental accident plan, you get these assurances: Your benefits are paid directly to you or to whomever you choose, unless otherwise required. Your benefits have no lifetime maximum limits, and are renewable as long as premiums are paid.* Your benefits are paid regardless of any other insurance you carry. Your rates cannot be increased unless all rates of that kind are raised in your state. *Some disability benefits/rider may only be guaranteed renewable to the age of 70

Did You Know? Worker's compensation only covers injuries that occur on the job. Major medical plans may cover only routine medical expenses for accidents or disability, leaving uncovered costs such as copays, transportation, physical therapy, emergency room and a host of other expenses for you to pay *out of your own pocket*. Loss of income due to a disability can strip you of your wealth-and the lifestyle to which you're accustomed. An accident plan is a great supplement to a high-deductible health plan.
		According to the National Safety Council 66% of all accidents occur off-the-job. More than 23.8 million injuries required medical attention in 2003. In 2004, over 82% of all costs due to accidental injuries were non-medical costs and expenses. How would YOU pay for unexpected costs? Spend your savings Sell off assets Preserve your resources with supplemental accident insurance. Resources: National Safety Council, Injury Facts, 2005-2006 Edition, p2, p23 The above facts represent the U.S. population, are for information only and do not imply coverage under the policy or endorsement of the company or the policy by the cited sources
Request product information on our Accident Insurance Plans
Frequently Asked Questions Q: What is Supplemental Insurance? A: Supplemental insurance is extra or additional insurance that helps you pay for out-of-pocket costs that your major medical insurance doesn't cover. Things such as loss of income, co-pays and co-insurance, travel and lodging, etc. The benefits are paid in cash directly to you so you can use the money however you choose to pay for those unexpected expenses due to illness or injury. Q: Do I really need supplemental insurance? Unexpected accidents and illnesses happen. When they do, it can leave you and your family vulnerable to out-of-pocket expenses that major medical insurance does not cover. Supplemental insurance benefits give you piece of mind and reduce the worry about how you will pay for those unexpected expenses. With less worry, you can focus on getting well rather than how you will get the money to pay your light bill. Q: What happens when I have an accident? A: Filing a claim is easy. You will simply visit our web site to download your claim forms, or call us at 1-877-740-8683 to have them mailed to you. Q: How can I get supplemental insurance? A: We make it easy as 1-2-3. 1. Just call us toll-free at 1-877-740-8683. 2. We take the application over the phone in less than 10 minutes. 3. You get your policy in the mail in 1-2 weeks. It's that easy! Our knowledgable representatives will work with you to identify your protection needs, so you have the coverage you need to help meet those needs. Q: How do I qualify; do I have to complete a physical? A: Almost anyone can qualify for an accident policy even if they cannot get major medical. There are very few health questions, and no physical is required. Generally, as long as you can answer "No" to the health questions, the coverage is issued and can become effective within 15 days from the date of the application. Q: What services are covered? A: Most plans pay cash for things such as: Admission to a hospital Dislocations, fractures, eye injuries, broken teeth, paralysis, burns, lacerations, concussions, and others Emergency transportation in an ambulance Family lodging for a member of the immediate family Emergency treatment in a hospital emergency room or even a physician’s office Confinement in an intensive care unit Physical therapy Othes Q: What is generally not covered on an accident plan? A: Most plans will not pay benefits for the following: 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.
View other supplemental coverages: Critical Illness Heart Disease / Heart Attack / Stroke Cancer Hospital Indemnity