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For Individuals.

Accident Insurance


Pays cash benefits directly to you for expenses that may not be fully covered by major medical insurance.

Why do you need accident insurance?

Accidents happen, and the costs from hospital visits, ambulance rides and medical care can quickly put a dent in your savings. Accident insurance helps you meet these costs when the unexpected strikes by paying you a lump sum of cash you can use for whatever you need, no strings attached.

Protect against high medical costs

Rising deductibles and healthcare costs aren’t going away – with accident insurance, you can get access to money when you need it.

Make your own choices

With no restrictions like networks, copays or high deductibles, you can use accident insurance to pay for the care you deserve.

Anne from Product and Ops Compliance

How much accident insurance do you need?

Choose from options at different price points, along with valuable add-ons for extra protection. Cash benefits vary.

Consider your out-of-pocket costs

Accidental death may not seem very likely, but it happens more often than you may think for people in certain age groups, jobs, and lifestyles. And no matter the odds, this insurance is an affordable way to plan ahead should the unexpected happen to you. Consider this:

Know the Odds

Accidents can happen to anyone, any time. Especially if you have a growing family, unexpected breaks, sprains or hospital visits can strain your finances. Even if you don’t think you’re at risk, keep in mind that each year, 1 in 5 Americans seek medical treatment for an injury. Accident insurance is an affordable way to make sure you’re protected if the unexpected happens to you.

Key advantages of accident insurance

Accident insurance pays money directly to you following common accidents so you can cover sudden medical costs.

Fast, easy application

Coverage is guaranteed issue, with no medical exams or tests to qualify.

Affordable coverage to fit your needs

Choose from a range of options to create coverage that fits your unique circumstances, including unique policies to cover your kids.

Pays direct cash benefits

Your accident insurance payment is given directly to you as a lump sum, with no restrictions like networks or deductibles.

Insurance solutions that fit your needs

  • Lesley, 35

    Married with two kids

    How would we cover the mortgage if we had to pay for medical bills?”
  • Kyle, 45, and Kole, 17

    Kole plays varsity football

    Injuries happen on the field – I want to make sure we can give Kole the best treatment if he’s injured.”

Already have Assurity Accident Insurance?

Why Assurity Accident Insurance?

Mutual strength

For over 130 years, our financial strength has helped people support one another through difficult times.

A force for good

As a Certified B Corporation, we work toward positive impacts for employees, communities, and the environment.

Personal service

Get the customer service you need from real, responsive, and efficient people in our Lincoln, Nebraska headquarters.

Assurity also offers accident expense insurance benefits at your work.

Your employer may offer Assurity Accident Expense Insurance as part of the benefits you purchase at work. It pays specific benefit amounts for covered accidents—helping to preserve savings or bridge gaps in coverage like copays and deductibles.

These products may contain reductions of benefits, limitations and exclusions. For costs and complete details of the coverage, please contact your insurance representative or Assurity to review the policy for more information.

Policy Form No. I H2203 and Rider Form Nos. R I2204, R I2205, and R I2208 are underwritten by Assurity Life Insurance Company, Lincoln, Nebraska.

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, NY. Product availability, features and rates may vary by state.