Summer is just around the corner and I'm preparing my family for what's ahead. Last year we started riding four wheelers and dirtbikes. There were a few close calls and we were all lucky enough to not get injured. My five year old son broke his leg last fall jumping on the trampoline.
Accident Insurance
So, needless to say, I thought it would be a good idea to purchase an accident policy to pay our deductible in case we have another accidental injury.
The best policy I was able to find (the most comprehensive & affordable) was through American General. It's called *Accident Expense Plus. Here are two examples of how the pricing comes in:
- A 30 year old male can get a $10,000 accident policy for $24.17 per month. (with a $500 deductible)
- A 50 year old female can get a $10,000 accident policy for $17.32 per month. (with a $500 deductible)
Spouses and children are often less to add. Families can usually get a good supplemental accident benefit for $50 - $60 per month.
More about the Coverage
The claim has to be submitted as an accidental injury in order to be paid. You can use this policy alongside your group health plan through work, or your individual/family plan. It's even eligible to be used with a qualified high deductible health plan. So, if you're using a health savings account, this is a great way to protect yourself from having to pay your high deductible for accidents. Benefits offered range from $1,000 to $15,000, and deductibles for the policy range from $0 to $500.
How active are you going to be this summer? This winter? If you're concerned about accidents, this is a great way to protect yourself against accident related out of pocket costs.
Request a Custom Proposal
If you'd like a custom quote for you and/or your family, complete an accident insurance quote request form and let me know who the coverage is for. I'll send back a brochure and custom quote for your review.
Sincerely,
Jared Balis
Utah Insurance Advisors
*Accident Expense Plus Policy Form Number 07120. Rates listed here are not guaranteed and are subject to change. Coverage is not guaranteed until your application is approved by American General. The coverage on this policy is limited to accidents only, and is not meant to replace a major medical policy, but rather to be used in conjunction with one. Please contact Jared Balis at 801-679-0405 for updated rates and coverage information.

