Accident Insurance

Accident Insurance is designed to reimburse you when accidents occur, whether that is a slip and fall, sports injury, or auto accident.  Accident Insurance is not health insurance but will help you pay your deductible or other out of pocket costs if an accident happens.  You may have Accident Insurance in addition to health insurance; having a separate Accident Insurance policy will not reduce the benefits payable to your doctor or a hospital by your health insurance.

There are 3 plan levels (basic, preferred, and premier).  Each plan pays for the same items the difference in the 3 plans is the amount of money you receive if you or a family member have an accident.  Plans are affordable starting at only $11.98 per month.

You may also elect several riders as part of your Accident Insurance Policy.  You may elect to add a Health Screening Rider, a Sickness Hospital Confinement Rider, and a Disability Rider.

The Health Screening Rider pays you, and each immediate family member covered by your policy, $50 once per year just for going to the doctor for a wellness exam or other annual checkup.

The Sickness Hospital Confinement Rider pays $100 per day, for up to 30 days, if you, or any immediate family member covered by your policy, are kept overnight in a hospital.  Included in this rider is a $50 per day home health services benefit.

To learn more about accident insurance or to request an application please call 480-442-5592 or send an email to

Frequently Asked Questions (FAQs)

  • One of the common myths about accident insurance is that it won’t pay if the accident occurs at work.  This is false.  We use Colonial Life as our preferred accident insurance carrier.  With Colonial Life you may elect an accident policy which covers you both on and off work.  If you are injured at work Colonial Life will pay you in addition to any benefit you get thru work or via worker’s compensation.

  • YES.  You may purchase accident insurance in addition to health insurance.  

    The benefits paid by your accident insurance policy are paid to you and not the doctor or hospital.  Accident insurance benefits are paid no matter what your health insurance pays (no coordination of benefits).

What Does It Cost?

We use Colonial Life as our preferred accident insurance provider.  We have more than a decade of experience working with Colonial Life and believe they are the best insurance company for accident insurance.

* These rate sheets are for Arizona residents.  Please call if you are resident of another state.  We are licensed in multiple states and can easily assist you.

Who should buy Accident Insurance

  • Families with children, especially if they are active in sports?
  • Dirtbike or ATV riders
  • Equestrians
  • Martial Artists
  • Boxers
  • Crossfit enthusiasts
  • Police Officers
  • Fire Fighters