Sample Accident
- Leg fracture (broken leg)
- Emergency Room Services (1 service within 72 hours)
- Physician’s Office Visit × 2
- X-ray × 1
- Outpatient Therapy × 8
This scenario stays within typical per-accident limits shown in the brochure.
Accident Coverage for the whole family
Life Secured Plus • Accident Insurance
Accident Insurance
Schedule of Benefits
PDF • All states
✓ Licensed Insurance Agent
Serving the Continental U.S. • Talk with a real person
Cash benefits paid directly to you for covered injuries caused by an accident — on or off the job.
No obligation. Benefits, availability, and eligibility vary by state and product. Speak with an agent for the best options and availability.
Why Accident Insurance?
Accidents can result in unexpected expenses — emergency care, hospital stays, follow-up treatment, and recovery time. Accident Insurance provides cash benefits that can help offset those costs.
Bills for broken bones, stitches, X-rays, or an ER visit?
Benefits for ER, broken bones, stitches, and hospital stays are paid directly to you to use how you need.
Out of work — missing a check?
Benefit amounts are paid directly to you. Follow-up care such as physician visits, outpatient therapy, rehab stays, and diagnostic imaging may be eligible for benefits.
Have a deductible to meet?
Covered accidental injuries help put money back in your pocket so you can manage expenses when you need it most.
Need additional protection for serious outcomes? (Up to $250,000 accidental death)
Coverage may include accidental death and dismemberment benefits depending on the plan selected. Ask your agent.
How it works: If an accident occurs, submit a claim using the Accident Claim Form to receive benefits based on covered services.
Sample Payout (Broken Leg)
Example only (not a guarantee): A covered accident results in a leg fracture, an ER visit, 2 follow-up doctor visits, an X-ray, and 8 outpatient therapy visits.
Estimated benefit payout by plan level
| Benefit | Lvl 1 | Lvl 2 | Lvl 3 | Lvl 4 |
|---|---|---|---|---|
| Leg fracture | $1,500 | $2,000 | $2,500 | $3,000 |
| ER services (Adult) × 1 | $150 | $200 | $250 | $300 |
| Physician office visits × 2 | $100 | $150 | $200 | $250 |
| X-ray × 1 | $50 | $50 | $50 | $50 |
| Outpatient therapy × 8 | $400 | $600 | $800 | $1,000 |
| Estimated total | $2,200 | $3,000 | $3,800 | $4,600 |
Actual payouts depend on plan level, covered services, limits, and state rules.
Money-Back Options (by State)
In some states, this policy may offer Cash Value or Return of Premium. These options and details depend on your state’s approved forms.
Example shown: premiums paid minus claims incurred may be returned on an eligibility schedule.
Select Your State
This Accident Insurance brochure applies to all listed states. Select your state to view the brochure.
Need to file an Accident claim?
Use the official Accident Claim Form below, or contact me and I’ll help you through the process.
Claim processing and benefit eligibility depend on the terms of your policy and state-specific brochure.