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Group Accident Insurance

Research shows that clients with medical and one or more supplemental benefits are more persistent. USAble Life is a leading national ancillary insurance carrier with more than 40 years of experience delivering ancillary benefits for some of the most trusted health insurers. As employers recognize the financial burden of out-of-pocket medical costs, supplemental accident coverage is now offered by 66% of employers.1 With a USAble Life Accident Plan, you gain a competitive edge while helping your clients recover financially from a costly injury.

Flexible Plan Options

Multiple plan options with varying levels of coverage, including 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

Guaranteed Issue

  • No medical questions, so coverage is guaranteed
  • Offered at an affordable group rate

Simple Administration

Supported by AccessAble, used by 10,000 brokers and group administrators

Features include:

  • Broker access to support client enrollments
  • Optional employee self-enrollment
  • AutoPay and online bill payment
  • Instant quoting of voluntary benefits
  • Online Evidence of Insurability
  • Real-time employee updates

Combine USAble Life’s Accident, Critical Illness, and Hospital Indemnity Insurance to offer more competitive benefits that maximize the value of your clients’ health coverage and improve retention.


1Society of Human Resource Management, 2018 Benefits Study.

This is a brief description of USAble Life’s Accident plan coverage. This is not an insurance policy. Limitations and exclusions may apply. Some benefits and options are not available in all states. For cost and complete details of the coverage, call or write your insurance agent or USAble Life.