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EXPLORE THESE POLICIES:
ACCIDENT & SICKNESS
How Can Accident Expense Insurance Help me?
An Accident Expense Policy can help you pay for out-of-pocket accident related medical expenses – such as deductibles and copays for primary care visits and physical therapy – as well as every day expenses such as transportation, lawn care and child care.
These expenses and tasks may be difficult to keep up with after an injury and may not be covered by your primary health insurance.
Why you need Accident Expense Insurance
There are more costs when an accident occurs than you realize
After an accident, medical costs can add up fast. And not everyone has enough money saved to help pay the bills. An Accident Expense insurance policy, can help you pay medical bills if you are injured in a covered accident.
These bills could include:
Emergency Care Services
Tests and X-rays
Major Diagnostic Exams
Follow-Up Care Services
Durable Medical Equipment
Accident & Sickness
Prepare for the Unexpected
It’s never a good time for an accident or illness to strike. But if something does happen to you, you’ll feel better knowing your Accident & Sickness Protector insurance policy pays benefits directly to you for covered sicknesses and accidents. You can use benefits for things like out-of-pocket medical bills or your family’s day-to-day expenses.
What is covered with an Accident & Sickness policy?
Serious illness or injury
Blindness or deafness
Loss of speech
Broken or lost limb
Major organ transplant
Death (if caused by accident)
The following are included but not limited to;
What is Accidental Death/AD&D Insurance?
AD&D insurance includes coverage for fatal and nonfatal accidents involving dismemberment or loss of eyesight, hearing or other key functions.
Some policies do not require you to answer questions about your health when enrolling and others allow you to enroll in coverage for your dependents, too.
With most policies, benefits are paid in addition to life insurance or other coverage you may have and surviving beneficiaries may use the money however they wish.
What does an AD&D Policy Cover?
Loss of limbs
Loss of fingers
Loss of eyesight
Both accidental death and AD&D insurance cover loss of life resulting from a covered accident. Additionally, AD&D insurance can provide coverage for some or all of the following conditions resulting from an accident:
Additional conditions may be covered, depending on the policy, and limitations may apply; be sure to review details and exclusions before enrolling in a policy.
What is Critical Illness Insurance?
Critical illness insurance provides a lump sum cash payment to you if you are diagnosed with a condition covered under the policy.
Most critical illness insurance allows you to use the money however you wish and some allow you to enroll for coverage for your dependents, too.
What Critical Illness Insurance Covers
Major organ failure
Other conditions may be covered and certain limitations can apply. Be sure to read any policy
thoroughly prior to enrolling.
Conditions covered under typical critical illness insurance can include:
Why should you buy Disability Insurance?
Whether it’s long-term, short-term or Social Security, disability insurance is an important part of your financial protection. It ensures that you have money coming in even when you’re unable to work due to illness or injury. It’s better than workers’ compensation, and it makes sure you’re able to pay your bills and keep pace with your financial goals.
Reasons to buy Disability Insurance
Your income is your most important asset and without it, you may not be able to maintain your way of life.
You depend on your income to support your lifestyle
You can't afford to be out of work for an extended period of time
You’re living paycheck-to-paycheck, and any disruption in your income could be a challenge for your family.
You don't have other sources of income available
You don’t have employer-provided disability income insurance to fall back on. And you can’t count on government disability insurance or workers’ compensation.