Consumer Accident Insurance

Only 37% of Americans have enough money saved to pay an unexpected expense of $1,000

When accidents happen and expenses accumulate, USAble Life’s Accident Insurance can help you recover financially by providing cash to cover medical and nonmedical expenses. Benefits are paid directly to you in addition to what medical insurance pays and can be used for out-of-pocket expenses such as copays, deductibles, and treatment.

Multiple Plan Options

With flexible plan options at varying levels of coverage, we let you build the plan that works for you and that includes benefits for:

  • Emergency treatment
  • Hospitalization
  • Dislocations and fractures
  • Lacerations
  • Burns
  • Rehabilitation
  • 24-hour coverage or off-the-job coverage
  • Accidental death & dismemberment
  • And much more

Family Coverage

Cover yourself, your spouse, and your children at affordable monthly rates

Guaranteed for Life

  • Lock in affordable rates based on your age when you purchase the policy and your rates won’t increase due to age
  • Your policy is guaranteed renewable year after year as long as your monthly premiums are paid on time

How it works

For example, your purchase our Plan 2 Accident Policy. Later that same year, an injury occurs. You fall off a ladder and suffer a fractured elbow and internal injuries. In addition to what your major medical insurance pays, Usable Life’s Accident plan may pay:

  • $150 for ambulance transportation
  • $105 for Emergency Room treatment
  • $310 for a fractured elbow
  • $630 for internal injuries
  • $60 for two follow-up physician visits
  • $150 for five physical therapy sessions

$1,405 in total cash benefits paid directly to you