Who Needs Accident Protection Insurance

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Accidents by their very nature are unexpected and unintentional. When incidents result in injury or worse, the costs associated can often exceed a family’s income. That’s why it’s so important to have some kind of protection in case the unexpected should occur. Accident protection insurance can provide a financial safety net against accidental death or a disabling injury, helping you and your loved ones to pay for out-of-pocket medical expenses, lost wages, and other costs.

Do you need accident protection insurance? What’s the difference between accident protection insurance and life insurance? Here are some considerations:

What is Accident Protection Insurance?

Accident protection insurance is different than life insurance. It provides financial protection in the event of an accidental death or disabling injury. People with a high-risk occupation or hobby might find it difficult to obtain term or whole life insurance coverage. Accident protection insurance may be the answer.

For example, the Gerber Life Accident Protection policyguarantees that your application for this policy is automatically pre-approved for up to $100,000 if you are age 19 to 69 – no questions asked and no health exam required. Your coverage takes effect as soon as your first premium payment is received, with protection available 24 hours a day, 7 days a week.

Why might you consider Accident Protection Insurance?

On the road, every 15 minutes someone dies in a car accident. And at home, every 8 minutes a fatal injury occurs.2 The Gerber Life Accident Protection insurance policy provides financial protection 24 hours a day.

Do I need accident protection insurance if I already have life insurance?

Life insurance provides protection in the event of death but does not provide protection in the event of a disabling injury. Accident protection insurance can help pay for out of pocket medical costs, lost wages and other expenses incurred as a result of a disabling injury.

1 Policy Form Series ACC-911

2 National Safety Council’s Injury Facts®, 2016 Edition

Not available in MA, OK, PA and WA.

Benefit amounts are subject to Gerber Life insurance limits. Multiple policies may be purchased with a combined limit of $100,000 per person. The Accident Protection policy is sent to you on approval. You have no obligation to keep it, and can cancel within the first 30 days and receive back any premiums paid.