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Accident, Critical Illness, Cancer, Accidental Death & Dismemberment,
Hospital Indemnity, Funeral Expense and Bereavement Counseling

Protect Your Family

More than 62% of all personal bankruptcies are caused by the cost of overwhelming medical expenses. Missing work due to an accident can put your family at serious financial risk. The SMART Accident Plus plan allows you to select the coverage you need.

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Plan Features

  • Benefits paid regardless of other coverage you may have. *
  • Help reduce the burden of out-of-pocket expenses associated with co-pays and other expenses not covered by your primary medical plan.
  • Reimbursement for a wide variety of costs associated with unexpected, covered accidents.
  • Reduce the out-of-pocket expense of emergency room visits, ambulance costs, and major diagnostic exams.
  • Additional coverage can include Critical Illness, Cancer Only Critical Illness, Accidental Death & Dismemberment, Hospitalization, and Funeral & Bereavement Insurance

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Comprehensive Accidental Death And Dismemberment (AD&D) Coverage

No one likes to think about the worst, but this affordable coverage is an intelligent way for you and your family to be ready for the unexpected. This coverage makes an excellent supplement to traditional life insurance and can help bridge the gap between expenses and lost income. If you were involved in an accident that left you unable to provide for your family, AD&D provides a lump sum benefit due to various types of bodily injuries or loss of life.

AD&D Coverage

Accidental Death & Dismemberment Benefit Amount
Minimum $25,000 to maximum $100,000. Available in increments of $25,000.

Accidental Death Benefit for Loss of Life
Pays 100% of the Accidental Death & Dismemberment Benefit Amount for accidental death occurring in Policy Month 7 or later. No benefit for Accidental Death occurring in Policy Month 1 through 6.

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