Accident Guard/Accident Elite


Carrier Name:

USAble Life

Line of Coverage:

Accident Guard/Accident Elite

Key Selling Features:

  • Flexible policy features to individualize the coverage
  • Two riders available
  • Guaranteed renewable
  • Pays the insured directly, regardless of other coverage

Basic Product Overview:

The choice of either Accident Guard or Accident Elite allows an applicant the options of supplemental coverage for costs associated with accidental injury and death and the option of choosing coverage to fit his/her individual needs. The policies are composed of a base policy with choice of disability riders. The policies are only available on a payroll deduction basis and guaranteed renewable. Coverage is provided for accidents occurring both on and off-the-job.

Accidental Death Benefit

Pays an accidental death benefit for death caused by common carrier, while a fare paying passenger on a common carrier vehicle (excludes taxis and privately chartered vehicles), or other accidents.

Accidental Dismemberment Benefit

Pays an accidental dismemberment benefit for dismemberment caused by a covered accident.

Other Benefits

Hospital Admission
Hospital Confinement
Hospital Intensive Care Unit Confinement
Emergency Room Treatment
Follow-up Physician Visit
Physical Therapy
Appliance
Prosthetic Device/Artificial Limb
Transportation
Family Lodging
Burns
Tendon or ligament
Blood/Plasma/Platelets
Ambulance
Wellness Benefit

Accident Specific Injuries

Dislocations, eye injury, fractures, torn knee cartilage, ruptured disk, rotator cuff, internal injuries, concussion, emergency dental work, coma, paralysis, and lacerations.

Other optional riders are available.

Advantages and Strengths of Implementing this Product with our company over our competitors: USAble Life brings extensive knowledge on the products that serve the worksite market. We offer highly competitive products and rates with personalized one-on-one enrollments. Our web site is user friendly. We recently introduced a new incentive, called LifeLine, which allows employers to track claims through our web site.

DISCLAIMER: This is a brief description of the products offered by USAble Life. These descriptions are for informational purposes only. Products and provisions described may not be available in all states. Specific provisions may vary by state. The policy contains a complete description of benefits, provisions, limitations and exclusions. In the event of a conflict between this description and the policy, the policy will prevail.