They catch us off guard. They can make anyone feel unprepared. Whether you and your family are participating in sports, a family barbecue, or enjoying a vacation, an unexpected accident will result in unexpected expenses. Accident insurance may be a good option for active individuals and families to help cover these expenses.

Your medical plan will help with your medical costs, but your Accident Insurance will help pay out-of-pocket costs, such as deductibles and uncovered expenses. With Accident Insurance, you receive a lump-sum payment to help you and your family cope.

You’ll appreciate how beneficial Accident Insurance can be once you see all it covers.

Examples Include:

• Fractures
• Dislocations
• Treatment of children’s sports injuries
• Ground and air ambulance
• Hospital admission and confinement
• Ambulatory surgery
• Urgent care
• Diagnostic exams, X-rays, and other emergency services
• Initial and follow-up physician visits
• Chiropractic and acupuncture services
• Physical therapy
• Follow-up recovery services

Critical illness can be devastating to your life and your family by burdening you with high medical costs at the very time when working may be difficult. With Critical Illness insurance, you receive a lump-sum payment when a covered illness is diagnosed. This plan helps ensure you are better prepared in the event of a serious illness.

Under this plan, you and your dependents are eligible for coverage, and you can choose from four benefit amounts: $5,000, $10,000, $20,000, or $30,000. If diagnosed with a covered illness, you will receive a percentage of the benefit amount according to the plan provisions. Pre-existing limitations may apply. Spousal benefits are 75% of the team member’s coverage. Children are covered up to $10,000.

Most people don’t have enough savings to cover unexpected hospital bills and medical deductibles.

Hospital Indemnity Insurance gives you peace of mind when you or a covered family member is admitted to the hospital. With Hospital Indemnity Insurance, you will receive a lump-sum payment when you are admitted to the hospital. To be considered an admission, you must be in the hospital for at least 20 hours.

• Term life insurance policies do not build cash value like whole life policies.
• Coverage for all life insurance reduces to 65% at age 70 and 50% at age 75.
• Coverage above $350,000 is not guaranteed. Evidence of Insurability (EOI) will always be required for amounts over $350,000.

The AD&D insurance plan covers you or a family member when an accident causes death or a dismembering injury. AD&D insurance pays a lump sum in the event of a covered accident. It applies wherever covered accidents happen, such as at home or on the road.

The AD&D insurance policies also provide benefits for covered accidents that result in paralysis, the loss of eyesight, hearing, speech, and more.