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Accident Insurance

Accident Insurance made simple: affordable coverage, no medical exam, and cash benefits paid directly to you.
Start the Coverage Quiz
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Protection for life’s unexpected accidents

Accident Insurance pays you cash when an unexpected injury disrupts your life, directly to you, not your doctor or hospital. It's one of the most affordable ways to make sure a broken bone, an ER visit, or a sports injury doesn't turn into a financial setback.
$5M
in benefits paid last year
40%
of Americans say their household would struggle to pay living expenses within six months if the primary wage earner died.
Source: 2025 Life Insurance Barometer Study, LIMRA
Our Features
  • glance icon 01
    Flexible benefits and affordable rates
  • glance icon 02
    Coverage starting at $14 per week
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    Immediate coverage
Start the quiz to determine which type of coverage is best for you
Start the Coverage Quiz
What is covered
Who is it for
Why it matters
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What is covered

What does accident insurance cover?

Accident Insurance helps cover the out-of-pocket costs that can come with an accidental injury. Benefits are paid directly to you and can help with expenses such as emergency room visits, ambulance transportation, hospital stays, follow-up care, physical therapy, and recovery. It can also help cover costs your health insurance doesn't pay.
  • Helps cover accident-related medical expenses and out-of-pocket costs
  • Pays cash benefits directly to you, regardless of other insurance coverage
  • Helps cover emergency care, treatment, rehabilitation, and recovery expenses
Who is it for
Why it matters
For as little as $3.00 per week

For as little as $3.00 per week

protect your family's financial future
Get a Quote
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Hear from real families about real coverage

After a trip to the emergency room following a fall, I realized how quickly unexpected costs can add up. Having accident insurance made a stressful situation much easier because I had money to help cover expenses while I recovered.
Michael R. Policyholder

Why choose FSP?

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Trusted for over 50 years

For decades, The Family Security Plan has helped working families access affordable insurance protection and financial security.
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We're with you every step

We don't just sell you a policy, we're here to answer your questions and make sure you feel confident every step of the way.
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Simple, affordable, no medical exam

No hoops, no complicated process, just straightforward protection that's easy to understand and built around the way real families actually live.

Ready to get started?

Start the Quiz Get a Quote

Is accident insurance the right fit for me?

Watch video Is Accident Insurance Really Worth It?
Is Accident Insurance Really Worth It?
Video

Is Accident Insurance Really Worth It?

1:39 Accident
If you’re exploring accident insurance, <br/>you’re not alone.

If you’re exploring accident insurance,
you’re not alone.

Our resources can help you better understand your options and make informed decisions.
Go to Education Hub

Common questions about accident insurance

Protection you can feel confident about

With two active kids, bumps, falls, and sports injuries are just part of life. Accident insurance gives us confidence that if someone gets hurt, we'll have extra help covering unexpected expenses.
David & Sarah L. — Policyholders
For such an affordable monthly cost, The Family Security Plan Accident Insurance provides incredible peace of mind. It's reassuring to know we have an extra layer of financial protection for life's unexpected moments.
Ashley T. — Policyholder
Accidents can happen when you least expect them, and the costs can add up quickly. Having accident insurance through The Family Security Plan® gives me confidence that I'll have financial support when I need it most, allowing me to focus on healing instead of worrying about the bills.
Nicole P. — Policyholder
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Let's get you started

We'll help you choose the right coverage with confidence.
Schedule a Call
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What best describes your current life situation?
How old are you?
Are you currently employed?
What is your biggest financial concern if something unexpected happened?
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Which of these apply to your current situation?
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How would you describe your lifestyle?
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What weekly budget are you comfortable with for insurance?
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    What’s your age range?
    Do you support children, a spouse, or other family members?
    Have you had a big life change lately?
    What best describes your job situation?
    Do you or your spouse work in a high-risk job?
    (for example a firefighter, police officer, construction worker, etc.)
    How long could your household stay afloat if your income stopped?
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    Do you have emergency savings set aside?
    Do you have life or supplemental insurance through work or elsewhere?
    Will your insurance coverage continue if you leave your job or retire?
    Have you reviewed your insurance in the past year?
    Do you have any major debts?
    If something happened to you, could your family maintain their lifestyle?
    Are you concerned about losing income if you couldn’t work?
    What types of insurance are you open to learning more about?
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      Credit Union Health
      We innovate from within, embracing needed change with speed and implementing new ideas as part of a formal strategic plan.
      Are your ideas truly inspired from within your team? Does implementation happen, or do great ideas stall between inspiration and execution?
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      Completely disagree
      Completely agree
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      Credit Union Health
      Our third-party relationships are genuine strategic partnerships that advance our long-range and short-term strategies.
      Do your partners bring measurable value beyond their product or service, or do they simply fill a line item in the budget?
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      Completely disagree
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      Next
      Credit Union Health
      Our leadership team holds itself and our teams accountable to clear, measurable goals, and everyone knows the numbers.
      Does the team know what is expected? Do they solve their own problems, or rely on the CEO to come up with solutions? Does everyone know and can recite the credit union's overall goals?
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      Channels Of Access
      We proactively reach out to our membership through outbound calling, email campaigns, and community outreach rather than waiting for members to come to us.
      Industry data shows only 30% of loan origination comes from proactive channels. Where does your credit union stand? Insurance is 95% proactive: how proactive are you?
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      Channels Of Access
      Our Business Development Team systematically visits employer groups and intentionally builds lasting relationships with key contacts throughout.
      Is your BD team held accountable to visits and results? Are contacts tracked continuously, not just when a position turns over?
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      Channels Of Access
      Our online and mobile banking, social media, and email marketing actively generate interest in products and services, pointing members toward educational content and referrals.
      Do you have your own content or do you pull from outside? Is it personalized and segmented by member life cycle, or are you still sending blanket messages to your entire membership?
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      Channels Of Access
      Our branches and contact center are optimized to educate members and generate meaningful cross-selling results, not just service transactions.
      How is cross-selling measured? Is it consistent across the team, or dependent on a few top performers? Does everyone know the numbers, and are those numbers celebrated?
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      Member Engagement
      We have a systematic outbound engagement program that builds trust before the call, uses member data to personalize each conversation, and produces measurable results.
      Is it truly systematic, or occasional and one-off? Do you warm up the call with personalized emails first? A program that runs occasionally produces occasional results.
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      Member Engagement
      Our member engagement conversations consistently lead to action - members participating in appropriate products and services - and we track and celebrate those results.
      What is the desired call to action on each engagement, and is it consistently measured? Are the actual results meeting the purpose of the program?
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      Member Engagement
      We measure the critical metrics of our engagement program - loan conversions, cross-sell results, retention rates - and use that data to make real decisions.
      Can you show the results of your engagement program right now in a report, not an estimate? A program without data is a program running on belief.
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      Your Credit Union Health Report is ready. Enter your information below and a Family Security Plan specialist will be in touch to walk through your results.

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