Assurity Life Accident Insurance
Assurity Life Accident Insurance
Jason Stolz CLTC, CRPC, DIA, CAA
Assurity Life accident insurance is a fixed-benefit supplemental coverage product that pays cash directly to the policyholder when a covered accidental injury occurs — regardless of what health insurance pays. The structure is deliberately simple: Assurity publishes a benefit schedule, you select a plan level, and when a covered accident happens you file a claim and receive the specified benefit amount in cash. You decide how to use it. There is no requirement to spend it on a specific type of medical expense, no coordination-of-benefits reduction because your health insurance already paid something, and no provider billing network to navigate. The money goes to you, and you apply it wherever it does the most good — whether that is satisfying a health plan deductible, covering specialist copayments that accumulate across multiple follow-up visits, offsetting income lost while recovering, or handling the everyday household expenses that do not pause because you broke your wrist.
At Diversified Insurance Brokers, the Assurity accident insurance relationship gives clients something most accident coverage situations do not have: a direct online application path through the Assurity portal combined with access to an independent broker who can compare the Assurity product against alternatives and coordinate accident coverage with the broader protection strategy rather than evaluating it in isolation. Our resource on is Assurity a good insurance company covers Assurity’s financial strength, product breadth, and what the carrier is known for — useful context before committing to any policy. And for clients who want to build a complete supplemental protection stack alongside the accident policy, our resources on hospital indemnity insurance and disability insurance cover the adjacent products that solve the problems accident insurance alone cannot address.
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Quote & Apply Online With AssurityAssurity Accident Insurance Plan Levels — Benefit Category Comparison
Assurity accident insurance is available in three plan tiers — Base, Advantage, and Complete — each covering a progressively broader set of benefit categories. The table below maps which benefit categories are available at each level. Specific benefit dollar amounts vary by state and plan selection; Assurity’s online application portal or a licensed advisor can provide exact amounts for your state.
Sample rates for illustrative comparison. Actual premiums depend on carrier, plan level, state, and plan options selected.
| Benefit Category | Base | Advantage | Complete |
|---|---|---|---|
| Emergency room treatment | ✓ Included | ✓ Included | ✓ Included |
| Urgent care visit benefit | ✓ Included | ✓ Included | ✓ Included |
| X-ray / diagnostic imaging | ✓ Included | ✓ Included | ✓ Included |
| Covered injuries — fractures, dislocations, burns, lacerations | ✓ Included | ✓ Higher benefit amounts | ✓ Highest benefit amounts |
| Hospital admission benefit | ✓ Included | ✓ Included | ✓ Included |
| Hospital confinement (daily benefit) | ✓ Included | ✓ Included | ✓ Included |
| ICU admission and confinement benefit | — Not included at Base | ✓ Included | ✓ Included |
| Follow-up physician visits | ✓ Included | ✓ Included | ✓ Included |
| Physical therapy / outpatient rehabilitation | Limited | ✓ Included | ✓ Included / Enhanced |
| Organized/supervised amateur sports injury bonus | ✓ Included (additional % of eligible benefits) | ✓ Included | ✓ Included |
| Optional rider: accident disability income benefit | ✓ Available (where offered in state) | ✓ Available | ✓ Available |
| Optional rider: preventive care / wellness benefit | ✓ Available (where offered in state) | ✓ Available | ✓ Available |
| Medical exam / underwriting required | None — guaranteed issue | None — guaranteed issue | None — guaranteed issue |
| Eligible covered members | Individual, spouse, children (child-only available) | Individual, spouse, children (child-only available) | Individual, spouse, children (child-only available) |
The table’s most useful insight for plan selection is where the benefit categories diverge across tiers — particularly ICU admission and confinement, which is absent at the Base level and present at Advantage and Complete. For households where a hospital stay or serious injury is a meaningful financial concern, the difference between Base and Advantage may be worth the incremental premium. For households primarily concerned with the first-visit costs — ER treatment, urgent care, imaging, and covered injury benefits — the Base tier covers those consistently across all three levels. Specific benefit dollar amounts for each category are available through the Assurity online portal or through a licensed advisor, and they vary by state. Our resource on how to buy accidental death insurance online covers the adjacent accidental death and dismemberment category that some clients evaluate alongside accident insurance when building their supplemental protection stack.
How Assurity Accident Insurance Works — The Fixed Benefit Model
The fixed benefit structure is what distinguishes accident insurance from traditional health insurance and makes it practical for a specific and well-defined purpose. Traditional health insurance reimburses providers based on your plan’s cost-sharing structure — deductibles, copayments, coinsurance — applied against the negotiated rate for each service. That structure means your benefit depends on what was billed, what the carrier negotiated, what your plan year deductible status is, and what network tier applies. The amount you actually receive can vary significantly depending on a complex interaction of factors you often cannot predict in advance.
Assurity accident insurance works differently: when a covered injury occurs and you meet the plan’s eligibility conditions, Assurity pays the scheduled benefit amount directly to you based on the category of injury or treatment — not based on what the medical provider charged or what your health insurance paid. A covered fracture pays the scheduled fracture benefit. A covered ER visit pays the scheduled ER benefit. Multiple covered events from the same accident can generate multiple benefit payments. The benefit goes to your bank account or arrives as a check, and you allocate it however the financial situation demands. If your health plan deductible is $3,000 and the accident injury generates $2,400 in health insurance out-of-pocket costs alongside $800 in accident insurance benefits, the accident benefits reduce your net out-of-pocket exposure — not by coordinating through the health insurance system, but by putting cash in your hands to use as you see fit.
This “cash-to-you” model is particularly practical because the real financial friction of an injury is rarely a single large bill. It is a series of smaller charges from different providers — urgent care, imaging center, specialist, physical therapist, pharmacy — arriving over weeks or months, each requiring a separate payment or copayment. Accident insurance benefits can offset these costs progressively as they appear rather than requiring you to accumulate and coordinate reimbursement requests through a single claims process.
Who Assurity Accident Insurance Is Built For
Accident insurance is most useful when the gap between what health insurance costs and what health insurance pays is large enough to create real financial friction after an injury. Several specific situations produce this gap in ways that accident insurance directly addresses. High-deductible health plan holders are the clearest example: an applicant with a $5,000 annual deductible who sustains a covered fracture requiring imaging, a specialist visit, and physical therapy over six weeks may absorb $2,500–$3,500 in deductible and coinsurance costs before their health plan pays meaningfully. Accident insurance benefits applied against those out-of-pocket costs reduce the effective financial impact without requiring the applicant to change their health plan or sacrifice coverage quality.
Active households and families are another clear fit — not because accident insurance pays more for more adventurous activities, but because the frequency of covered events is higher in households with children in organized sports, adults with physically active hobbies, or careers that involve outdoor or physical work. The organized sports injury bonus in Assurity’s accident plans — which pays an additional percentage of eligible benefits for injuries sustained during supervised amateur athletics — is specifically relevant for households where youth sports injuries are a recurring and predictable source of medical visits. Our resource on burial insurance services covers the adjacent supplemental product category that some families coordinate alongside accident insurance when building a comprehensive protection approach for different financial scenarios.
Self-employed individuals and households with variable income often find accident insurance particularly practical because the financial disruption of an injury extends beyond the direct medical costs. When income is not guaranteed or is billable-hours-dependent, even a few weeks of reduced work capacity can create cash flow pressure that no amount of good health insurance planning prevents. The accident disability income rider — available as an optional add-on depending on state — is directly relevant for self-employed applicants in this situation, providing a benefit stream if an accident-related disability prevents work, layered on top of the primary accident benefits. Our resource on why you need disability insurance even if you’re young and healthy covers the broader disability protection case that is relevant when accident insurance is being considered alongside income protection planning.
Accident Insurance, Disability Insurance, and Hospital Indemnity — What Each Solves
Accident insurance, disability insurance, and hospital indemnity insurance are often evaluated together because they share a surface-level similarity — each pays cash benefits rather than reimbursing providers directly — but they solve fundamentally different financial problems and should not be treated as substitutes for each other.
Accident insurance addresses the out-of-pocket costs generated by covered accidental injuries: ER visits, imaging, fractures, lacerations, hospital admission for accident injuries, and follow-up treatment. It pays when specific covered events occur as the result of an accident and applies to a broad range of accident-related expenses across the injury treatment pathway. What it does not address is illness-related expenses, extended income loss, or the specific costs associated with hospitalization for non-accident reasons. Our resource on hospital indemnity insurance covers the product that fills that adjacent gap — paying a fixed daily or admission benefit when the policyholder is hospitalized regardless of the reason, including illness, surgery, and maternity, not just accidental injury.
Disability insurance addresses the problem accident insurance does not: the replacement of income when an illness or injury prevents the policyholder from working for an extended period. Accident insurance benefits are typically structured as fixed amounts per covered event — not as ongoing income replacement benefits scaled to the policyholder’s actual earnings. A person who cannot work for three months after a serious injury may receive accident insurance benefits for the treatment-related events but will not receive income replacement unless they have a separate disability policy or have added the optional accident disability income rider to the accident plan. The distinction matters because the financial impact of not working for 90 days — even in a household with otherwise strong health insurance — often far exceeds the medical out-of-pocket costs that accident insurance addresses. Our resource on disability insurance services covers the individual and group disability options that solve the income replacement problem that accident insurance cannot.
Understanding the boundaries of what each product does and does not solve prevents the most common supplemental insurance mistake: buying accident insurance while believing it addresses all accident-related financial risks, and then discovering after a serious injury that the income loss — which was not covered — was the larger financial problem. The right approach is to evaluate each risk category separately and match the appropriate product to each: accident benefits for out-of-pocket medical costs, disability coverage for income, and hospital indemnity for hospitalization-related expenses if that specific gap exists in the household’s financial profile.
Coverage Gaps Accident Insurance Is Not Designed to Fill
Accident insurance is designed for accidental injuries, not for illness. A policyholder who is diagnosed with cancer, has a heart attack, or develops a chronic condition will not receive accident insurance benefits for the treatment of those illnesses — even if the treatment is identical to what would be covered after an accidental injury in a different context. Critical illness coverage addresses the specific risk of a serious medical diagnosis by paying a lump sum benefit upon diagnosis of a covered condition. If diagnosis risk is the primary financial concern, critical illness coverage or cancer insurance is the appropriate product rather than accident insurance.
Accident insurance also does not replace income for extended periods — it pays specific benefits for specific covered events. An applicant who sustains a serious spinal injury and cannot return to work for 18 months will exhaust accident insurance benefits relatively quickly and will then face an income gap that the accident policy was never designed to address. This is why disability insurance exists as a separate and essential protection category, particularly for self-employed individuals and households where one income is the primary financial foundation. Our resource on how short-term health insurance can bridge the gap between coverage covers the separate situation of coverage gaps during employment transitions — relevant when accident insurance is being evaluated as part of a broader coverage bridge strategy during a period without employer health benefits.
The Online Application Process — What to Expect
Assurity’s online accident insurance application is designed to be completed without a sales appointment or medical exam. The process typically begins with entering basic eligibility information — state of residence, age, and who will be covered (individual, individual plus spouse, family) — followed by a plan level and benefit amount selection. The online portal allows applicants to compare benefit schedules side-by-side, add optional riders where available, and review premium amounts before submitting. A short set of eligibility questions confirms suitability. Payment information is collected and coverage is typically issued on a straightforward timeline once the application is processed.
Applicants who want to coordinate accident coverage with other existing policies — or who want to compare Assurity against alternative carriers before committing — can pause the online process and request broker assistance without losing their progress. The advantage of working with an independent broker at this step is the ability to evaluate whether the Assurity plan design, benefit levels, and optional riders match the household’s specific financial exposure better or worse than alternatives in the market. Our resource on best independent insurance agent covers why independent broker access produces better product matching outcomes than single-carrier applications — the same principle that applies when purchasing accident insurance as part of a comprehensive protection plan. And for applicants who are also evaluating traditional life insurance coverage simultaneously, our resource on what is a life insurance exam covers what to expect from the underwriting process in a different product category — useful context when accident insurance (no exam) is being compared to life insurance (often requires an exam) as part of the same planning conversation.
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Quote & Apply Online With AssurityRelated Disability and Income Protection Pages
When an injury impacts work, these pages help you evaluate income stability options that accident insurance alone cannot provide.
Related Insurance Planning Pages
Coverage gap strategies, life insurance planning, retirement income protection, and short-term health options.
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FAQs: Assurity Life Accident Insurance
What does Assurity accident insurance cover?
Assurity accident insurance pays fixed cash benefits for covered injuries and accident-related medical events — including emergency room treatment, urgent care visits, diagnostic imaging (X-rays), covered injuries such as fractures, dislocations, lacerations and burns, hospital admission and daily confinement, ICU admission and confinement (at Advantage and Complete levels), follow-up physician visits, and physical therapy or outpatient rehabilitation. The specific benefit dollar amount for each covered category depends on the plan level you select (Base, Advantage, or Complete) and your state’s benefit schedule. Organized and supervised amateur sports injuries receive an additional percentage of eligible benefits on top of the standard scheduled amounts — making the plan particularly relevant for households with active participants in youth or adult recreational sports. The benefits are paid directly to you as cash — not to medical providers — and can be used for any expense the accident creates, including health insurance deductibles and coinsurance, prescription costs, transportation to appointments, or household expenses during recovery. Specific benefit amounts for your state are available through the Assurity online portal or through a licensed advisor who can review the full benefit schedule before you apply.
Is Assurity accident insurance guaranteed issue?
Yes — Assurity accident insurance does not require a medical exam, blood draw, or laboratory testing as part of the application process. The guaranteed issue design is one of the primary advantages of accident insurance as a product category: because the coverage is limited to accidental injuries rather than illness or general health events, the actuarial risk basis is different from a life insurance or health insurance underwriting framework, and the product can be offered on a guaranteed basis to all eligible applicants. The application process typically involves a short set of eligibility questions related to age, state of residence, and coverage configuration (individual, family, child-only) rather than a comprehensive health history review. This makes the application fast — most applicants can complete the process online in minutes — and accessible to applicants who might face challenges in more traditional underwriting environments. The absence of medical underwriting does not mean the plan covers pre-existing conditions in the same way health insurance does; accident insurance specifically covers injuries resulting from covered accidents, and benefit eligibility is based on the accident event and the covered categories in the benefit schedule rather than on health history.
How does the cash benefit work when I file a claim?
After a covered accident occurs, you submit a claim to Assurity documenting the injury and the covered treatment or service that occurred. Assurity reviews the claim against the benefit schedule for your plan and issues the scheduled benefit payment — which goes directly to you rather than to the medical provider who treated you. The payment method is typically direct deposit to your bank account or a paper check, depending on your preferences and Assurity’s available claim payment options. You then use the money however the financial situation requires: applying it against a health insurance deductible, paying urgent care or specialist copayments, covering pharmacy costs, offsetting lost income during recovery, or handling any other expense the accident created. There is no requirement to use the benefit on a specific type of expense, and the payment does not coordinate with your health insurance — the accident benefit is paid based on the event and the benefit schedule, not based on what your health insurance paid or did not pay. Multiple covered events from the same accident can generate multiple benefit payments; for example, an accident that produces a covered fracture, a covered ER visit, and subsequent covered physical therapy sessions would generate separate benefit payments for each covered category.
Does accident insurance replace health insurance?
No — and this distinction is important enough to state directly rather than bury in fine print. Accident insurance is supplemental coverage, which means it layers on top of existing health insurance rather than replacing it. Your health insurance continues to pay providers directly based on your plan’s cost-sharing structure for covered medical services. Assurity accident insurance pays you a fixed cash benefit for covered accident events based on the benefit schedule, in addition to whatever your health insurance covers. The two products are not coordinated — accident benefits are not reduced because your health insurance already paid, and accident benefits do not count toward your health insurance deductible or out-of-pocket maximum. The practical effect is that a covered accident generates both a health insurance payment to your providers and an accident insurance benefit payment directly to you — reducing your net financial exposure to the out-of-pocket costs your health insurance leaves behind. Accident insurance is specifically not designed to cover illness-related medical expenses, ongoing chronic condition management, or mental health treatment — those coverage needs require health insurance, critical illness coverage, or other appropriate products. If you are without health insurance and looking for a primary coverage option, our resource on short-term health insurance covers the options for bridging coverage gaps.
Can I add optional riders to the base accident policy?
Yes — depending on state availability, two optional riders can be added to the base accident plan. The accident disability income rider provides a periodic benefit payment if a covered accident results in disability that prevents the policyholder from working, adding an income-replacement dimension to the accident policy that the base plan does not include. This rider is particularly relevant for self-employed individuals and hourly workers whose income stops when they cannot work — situations where the accident benefits alone cover medical out-of-pocket costs but do not address the simultaneous income disruption. The preventive care rider provides a benefit for covered wellness screenings and preventive services — adding a wellness component to what is otherwise an injury-focused product. The availability of each rider depends on the state where the policy is issued; the Assurity online portal will display which riders are available and their associated costs for your specific state during the application process. Applicants who want to understand how the disability income rider compares to a standalone disability insurance policy should review our resource on disability insurance services — the accident disability rider is typically a simpler and more limited benefit than a standalone disability policy, which provides more comprehensive income replacement across a broader range of disability causes including illness.
Are injuries from organized sports covered?
Yes — injuries sustained during supervised and organized amateur athletic activities are eligible for an additional percentage of eligible benefits above the standard scheduled amounts, up to the plan-specified limit. This organized sports bonus is one of the features that makes Assurity accident insurance particularly practical for families with children in youth sports programs — soccer, basketball, baseball, football, swimming — or for adults who participate in supervised recreational leagues and programs. The “organized and supervised” qualifier is important: the sports injury bonus applies to structured activities with adult supervision or organized team structures rather than to entirely unstructured recreational activities. The standard accident benefits also apply to sports-related injuries regardless of the organized sports bonus; the bonus is an additional layer on top of the standard benefit amounts for qualifying events. The practical effect for a family with an active youth athlete is that a common sports injury — a covered fracture or dislocation from a game or practice — generates standard accident benefits from the base schedule plus the organized sports bonus percentage on top of those benefits, potentially resulting in a meaningfully higher total payout than the standard benefit alone.
How fast does Assurity pay accident insurance claims?
Most straightforward accident claims with complete supporting documentation are processed relatively quickly — Assurity’s claim process is designed around the fixed benefit model, which means the adjudication is simpler than a traditional health insurance claim that requires reviewing provider billing against negotiated rates and coordination-of-benefits calculations. The claim review process typically involves confirming that a covered accident occurred, that the treatment or service claimed falls within a covered benefit category, and that the benefit amount corresponds to the appropriate scheduled amount for the plan level. Once confirmed, payment is issued directly to the policyholder via direct deposit or check. Complex claims — those involving multiple events from a single accident, questions about the nature of the injury, or missing documentation — may take longer. Submitting complete documentation with the initial claim (accident description, medical records confirming the injury and treatment, and any other supporting materials Assurity requests) is the most reliable way to ensure prompt processing. The Assurity online portal and claims department can provide specific processing timeline expectations and required documentation guidance for any particular claim.
Can I buy Assurity accident insurance completely online without talking to an agent?
Yes — Assurity offers a complete online quote-and-apply experience through their dedicated portal that allows applicants to compare plan levels, review benefit schedules, select optional riders, and submit the full application without a sales appointment or agent involvement. The process is self-directed and can be paused and resumed at any point. For applicants who prefer to move through the process independently and are comfortable making product selections based on the online benefit schedule comparisons, the online path provides the fastest coverage access. For applicants who want to compare Assurity against alternative accident insurance carriers before committing, want to coordinate the accident policy with other existing coverage, or have questions about which plan level and optional riders best match their specific financial exposure, broker assistance is available — either before beginning the online application or after reviewing initial quotes through the portal. Our role at Diversified Insurance Brokers is to provide that guidance without creating a sales-pressure environment: the goal is to help you choose the coverage that actually serves your situation, whether that is Assurity or a different carrier, and whether you ultimately apply online or through a broker-assisted process.
Are children eligible for Assurity accident insurance coverage?
Yes — Assurity accident insurance can be purchased to cover the policyholder, the policyholder’s spouse, and eligible dependent children. A child-only policy is also available at a lower monthly cost for parents or guardians who want to add accident coverage specifically for children without enrolling themselves. Coverage for children is particularly practical given the frequency of accidental injuries in pediatric populations — sports injuries, playground accidents, and recreational activity injuries generate ER visits, imaging, and follow-up care at rates that make a fixed-benefit accident policy a genuinely useful financial tool. The organized sports injury bonus that applies to supervised athletic activities is directly relevant for child coverage in structured sports programs. All coverage family configurations — individual, individual plus spouse, individual plus children, and family — are available through the online application, and premium differences between configurations are visible during the quote process before any commitment is required.
How does Assurity accident insurance coordinate with a Health Savings Account (HSA)?
Assurity accident insurance benefit payments are not restricted by HSA rules — the benefits are paid as taxable cash income directly to the policyholder and can be used for any expense, including qualified medical expenses that would otherwise be paid from the HSA. For HDHP/HSA households, accident insurance often works as a practical complement to the HSA rather than competing with it: the HSA accumulates pre-tax funds for future medical expenses, and accident insurance provides an immediate cash benefit when an accident occurs, reducing the amount the household needs to withdraw from HSA savings for deductible and out-of-pocket costs after an injury. This combination can preserve HSA balances for long-term accumulation — allowing the account to grow as a tax-advantaged medical savings resource — while accident insurance covers the immediate financial friction of injury-related out-of-pocket costs. One distinction worth noting: premiums paid for accident insurance are not HSA-eligible expenses in the same way that qualifying long-term care insurance premiums can be, so accident insurance premiums are typically paid with after-tax dollars rather than from the HSA. This is a detail worth confirming with a tax advisor for your specific situation, as HSA rules and qualified expense definitions are governed by IRS guidance that can change.
About the Author:
Jason Stolz, CLTC, CRPC, DIA, CAA and Chief Underwriter at Diversified Insurance Brokers (NPN 20471358), is a senior insurance and retirement professional with more than 25 years of real-world experience helping individuals, families, and business owners protect their income, assets, and long-term financial stability. As a long-time partner of the nationally licensed independent agency Diversified Insurance Brokers, Jason provides trusted guidance across multiple specialties—including fixed and indexed annuities, long-term care planning, personal and business disability insurance, life insurance solutions, Group Health, and short-term health coverage. Diversified Insurance Brokers maintains active contracts with over 100 highly rated insurance carriers, ensuring clients have access to a broad and competitive marketplace.
His practical, education-first approach has earned recognition in publications such as VoyageATL, highlighting his commitment to financial clarity and client-focused planning. Drawing on deep product knowledge and years of hands-on field experience, Jason helps clients evaluate carriers, compare strategies, and build retirement and protection plans that are both secure and cost-efficient. Visitors who want to explore current annuity rates and compare options across multiple insurers can also use this annuity quote and comparison tool.
Browse More Resources: Return to our complete Supplemental, Hospital Indemnity & Critical Illness guide — covering hospital indemnity, accident insurance & critical illness coverage.
