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Accident Insurance

These policies offers benefits that pay on a cash basis directly to you and are available either individually or through your employer. If you are interested in your employer offering these benefits, contact us at 919-755-1133 and we will help walk you through the process.

An accident can wreak havoc on your savings if you’re not prepared. That’s why there’s accident insurance. It gives you a cushion to help cover medical expenses and living costs when you get hurt unexpectedly.

On average there are 11 unintentional-injury deaths and about 2.330 disabling injuries every hour during the course of a year. Nearly 1 in 8 people sought medical attention or suffered at least one day of activity restriction because of an injury.

Accident insurance can pay you a lump sum benefit for either on and off the job or off the job accidental injuries, plus some medical benefits. Because accident insurance is supplemental, it works in addition to other insurance you may have. You can use the policy on its own or to fill a gap left by your other coverage.

You can select between three benefit levels and have the option of adding a Sickness Disability Income Rider Benefit, Benefit Enhancement Rider Benefit, and Wellness Plus Rider Benefit.

The policy includes benefits for:

  • Dislocation or Fracture
  • Loss of Life and Limbs
  • Medical Expenses
  • Ambulance
  • Hospitalization Benefits
  • Disability (Primary Insured Only)

Benefit Enhancement Rider Benefits Include:

  • Lacerations Benefit
  • Eye Surgery Benefit
  • Skin Graft Benefit
  • Blood and Plasma Benefit
  • Paralysis Benefit
  • Physical Therapy Benefit
  • Brain Injury Benefit
  • Burns Benefit
  • Plus many others

With Accident Insurance You Can Have Peace of Mind Knowing:

  • Benefits paid directly to you unless assigned
  • Benefits paid regardless of other coverage