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For Businesses

Accident Expense Insurance

With rising deductibles and healthcare costs, your employees might not be prepared for even a small accident. Help them and their families bounce back with the simple and affordable protection of Assurity Group Accident Expense Insurance.

Jason from Claims with son

Consider this:


The maximum deductible for a family with an HDHP in 2019 is $13,5001


The average deductible among covered workers in a plan with a general annual deductible is $1,573 for single coverage2


In a recent survey, nearly 40% of Americans said they would struggle to cover a $400 emergency expense3


2 of 3 Americans filing bankruptcy cite medical issues as a key contributor4

Accident Expense Insurance

Essential protection for your workforce

Prepare your employees for anything life may bring them with the flexible benefits of Group Accident Expense Insurance. It pays a benefit for the most common accidents and procedures to help bridge the gap between medical costs and existing coverage—in a straightforward, easy way.

  • No networks, see any doctor
  • Guaranteed issue – no medical exams or tests to qualify
  • No deductibles, copays or coinsurance

To learn more, read our Why Accident Expense flyer.

Already have Assurity?

Assurity works for employers

Choosing to offer voluntary benefits is a win-win situation for employers and employees—provided you’ve chosen the right carrier. Here are just a few reasons why you and your employees can count on Assurity.

Proven strength

With more than $2.6 billion in assets and a 129-year history, you can rely on Assurity to be there when you need us.

Valuable products

Affordable insurance protection for your employees that is easy to understand and to buy.

Personalized attention

We'll help educate your employees on benefit offerings. Dedicated case managers handle all billing and administration, and we pay more than 80% of claims within 10 business days.

Workforce loyalty

While there are many advantages to offering a holistic benefits package, it's an invaluable tool for improving morale and attracting new talent.


These policies may contain reductions of benefits, limitations and exclusions. For costs and complete details of coverage, please contact Assurity or review the policy contract.

Group Accident Expense insurance provides limited benefit coverage and may contain reductions of benefits, limitations and exclusions. The description of benefits is intended only to highlight the insured employee’s benefits and should not be relied upon to fully determine coverage. If this description conflicts in any way with the terms of the policy/certificate, the terms of the policy/ certificate prevail. For complete benefits descriptions and conditions, see the policy/certificate.

Circular 230 Disclosure: Any U.S. tax information contained in this communication is not intended or written to be used, and cannot be used, for the purpose of (i) avoiding penalties under the Internal Revenue Code, or (ii) promoting, marketing or recommending to another party any matters addressed herein.

Policy/Certificate Form Nos. G H1708 and G H1708C and Certificate Rider Form Nos. R G1709C, R G1710C, R G1711C and R G1712C underwritten by Assurity Life Insurance Company, Lincoln, NE.

Assurity is a marketing name for the mutual holding company Assurity Group, Inc. and its subsidiaries. Those subsidiaries include but are not limited to: Assurity Life Insurance Company and Assurity Life Insurance Company of New York. Insurance products and services are offered by Assurity Life Insurance Company in all states except New York. In New York, insurance products and services are offered by Assurity Life Insurance Company of New York, Albany, New York. Product availability, features and rates may vary by state.