When an accident occurs, income goes down and expenses always go up.

Most people use our benefits to help pay for indirect costs such as: Lost Income, Living Expenses, Insurance Limitations, and Out-of-Pocket Expenses.

• Benefits are paid regardless of any other coverage
• Pays directly to you
• Pays regardless of what other insurance pays
• No physical exam required
• Use your own doctor or hospital
• Your whole family can be covered
• Benefits paid when you're not hospitalized

Why Accident Insurance?

Little League, other weekend sports and leisure hobbies. Chores and fix-up projects around the house. Going to work everyday. These activities are all part of normal everyday life. Unfortunately, accidents are also a part of everyday life. And often we don't think about the accidental injuries or even the accidental deaths which may happen during the course of a day.

Consider this information:


• In 2004, there were 23.2 million accidental disabling injuries
• On average there are about 2,650 accidental disabling injuries every hour during the year


Source: Injury Facts, National Safety Council, 2005-2006 Edition

The Accident Disability Income product provides industry leading coverage
including benefits for:

1. Monthly Disability Benefit
2. Hospital Confinement
3. Daily Intensive Care
4. Ambulance
5. Transportation
6. Emergency Treatment
7. Follow-Up Treatment
8. X-Ray
9. Blood & Plasma
10. Fractures (Broken Bones)
11. Dislocations
12. Prosthetic Devices or Appliances
13. Accidental Death Benefit
14. Double Accidental Death Benefit
15. Single Dismemberment
16. Double Dismemberment