With accident insurance, you can have help covering the out-of-pocket costs you may face after an accident. Some of these expenses may include hospital stays, medical exams, emergency treatments, transportation, and lodging. It can help fill the gap in coverage between your health insurance and other policies you might have.

We partner with some of the top Supplemental Health providers in the country, including: Aflac, Cigna Supplemental, Colonial Life, and Washington National.  This way our wise agents provide you the best policy for your needs, at the best price.

With accident insurance, you can have help covering the out-of-pocket costs you may face after an accident. Some of these expenses may include hospital stays, medical exams, emergency treatments, transportation, and lodging. It can help fill the gap in coverage between your health insurance and other policies you might have.

Many accident insurance policies help cover certain injuries, like burns, lacerations, broken limbs, and paralysis. In the event an accident takes your life, accident insurance can pay out money to your designated beneficiary, which may be your partner or a child.

Accidents happen, big or small, and always at the wrong time. No warning, no time beforehand to reallocate funds, but a surprise injury can have a hefty price tag.

So, if you're pondering, “do I need accident insurance?” we encourage you to look at the premiums on your current health insurance plan. According to the Kaiser Family Foundation 2023 Employer Health Benefit Survey, average single and family premiums increased 7% in the past year. This has resulted in a 22% premium increase for the average family coverage in the last 5 years.

Having an added layer of supplemental accident insurance can help fill the gaps that your primary insurance may be missing

Accident insurance costs are generally low, especially when you factor in the long-term savings. You can opt into an accident policy that provides weekly coverage for less than $30 per month.  You can spend the same amount per week on an accident policy as you do household first aid.

There are many reasons why it may be wise to invest in accident insurance. These types of policies can help cover a wide span of accidental injuries that could prevent you from being able to work. In addition, an accident insurance policy can make sense if you lead an active lifestyle that involves activities like skiing or rock climbing, have children, or don't have or want to use emergency savings to pay for accidents.

Yes.  Accident insurance is designed to help you pay for the out-of-pocket costs that often come after an covered accidental injury.  Several examples include hospital stays, medical exams, and emergency treatments. If you don't have the funds to cover these types of expenses upfront, the help from accident insurance can make a real difference.

1. Trouble Strikes. You are cleaning your gutters when the ladder slips and you fall off.

2. You are taken to the ER by the ambulance.  The physician visit and the x-ray in the ER reveals a dislocated hip and a broken wrist.

3. Accident insrance gives you peace of mind.  Cash benefits are paid directly to you or a chosen beneficiary, helping you ease the financial stress of your accident.

4. You get your money fast.  Claims made on your accident policy are paid fast, so unexpected bills don't have to leave you sidelined.

Head over to our Policy Holders page to find the customer service number or email for your specific policy carrier. 

When filing a claim, you’ll need to provide detailed information and documentation related to the accident, such as the date, time, and location of the incident and pictures of the injuries.