Accidents happen every day and they can really hurt your finances

No one plans on having an accident – whether it’s a slip and fall, a bad gash or a sports injury. With The Family Security Plan® Accident Insurance, we’ve got you covered. So, instead of worrying about big bills, you can go live life and focus on your own or your loved one’s recovery.

How Does Accident Plus Insurance Work?

Accident Plus Insurance pays cash benefits directly to you, regardless of any other coverage you have. It will help pay for the unexpected costs of an accidental injury by providing benefits for initial care, injuries, treatment, facility care and follow-up care. We recognize that accidents from organized sports are increasing, so we also include a Sports Package that will pay additional benefits should you or your family get injured in an organized sport.

Plan for tomorrow, today with these Accident Insurance benefits:

Cash Benefits

It will help pay the unexpected costs of an accidental injury by providing benefits for initial care, injuries, treatments, facility care and follow up care.

Fast Claims

If you get injured, we can begin processing your claim right over the phone so you can get the cash you need quickly. Accident Plus pays you $100 as soon as you report your first claim for covered benefits.

Rehabilitation Package

Whether you are released to a Rehabilitation Center following a hospital stay or you recover at home, we pay a daily cash benefit to help with your rehabilitation.

Sports Package

With our Sports Package, your benefits increase 25%, up to $1,000 per person per year, for injuries that occur while participating in organized sports.

The Family Security Plan® Accident Insurance Features:

  • Immediate Coverage

    Your coverage becomes effective as soon as your initial eligibility requirements are met, you have authorized payment, and your application is signed.

  • Guaranteed Issue

    No medical history is required for coverage to be issued.

  • Guaranteed Renewable

    Your coverage cannot be canceled as long as your premiums are paid as due.

  • Full Portability

    You can keep your coverage at the same cost if you change jobs or retire.

  • HSA Compatible

    You can have this coverage even if you have a Health Savings Account.

Accident Platinum Insurance offers maximum benefits

Accident Platinum Insurance offers bigger benefits. As your insurance co-pays and deductibles become higher and medical expenses continue to rise, Accident Platinum Insurance can help you offset those costs.

Accident Platinum Insurance offers all of the benefits of Accident Plus Insurance with higher cash benefits!

Accident Insurance Eligibility and Exclusions

No benefits will be paid for an injury that is caused by contributed to, or occurs as a result of a Covered Person's:


  • Member, Ages 18 through 70

  • Spouse, Ages 18 through 70, including domestic and civil union partners

  • Children, Ages 0 to 26

  • Simplified application process


  • Committing or attempting to commit suicide or intentionally injuring himself or herself;1

  • Being intoxicated, or under the influence of alcohol or any narcotic or other prescription drug unless administered on the advice of a Physician and taken according to the Physician's instructions (the term "intoxicated" means the minimum blood alcohol level required to be considering operating an automobile under the influence of alcohol in the jurisdiction where the accident occurred).2

  • Participating in an illegal activity or attempting to commit or actually committing a felony (“felony” is as defined by the law of the jurisdiction in which the activity takes place);3

  • Having dental treatment, except for such care or treatment due to injury to sound natural teeth within twelve (12) months of the Covered Accident; or

  • War or any act of war, declared or undeclared, or serving in any of the armed forces or units auxiliary thereto;

  • Accident which occurs outside of the United States or Canada (Virginia only).

Why Purchase Accident Insurance?

  • Out of pocket expenses are constantly rising.

  • Healthcare costs continue to grow each year with an average increase of 6%.*

  • Higher co-pays for medical services and higher deductibles, often $5,000 or more for a family.

  • The Family Security Plan® supplemental coverage helps to cover the gaps in your medical insurance.

*PWC's Health Research Institute: Medical Cost Trend Behind the Numbers 2019

Accident Insurance provides a way to help protect your finances if you or a family member were to have an accident.

1 In Illinois "committing or attempting to commit suicide" does not apply.
2 This exclusion does not apply in Maryland, Michigan or Pennsylvania.
3 This exclusion does not apply in Maryland or New Jersey.

Insurance product not available in all states. This is a supplement to health insurance and is not a substitute for basic hospital, basic medical or major medical insurance. Schmitt-Sussman Enterprises, Inc. dba PFP, NPN #953614