| Covered Loss | Insured | Spouse | Each Child |
|---|---|---|---|
| Accidental death | $25,000 | $10,000 | $1,000 |
| Death by automobile accident | $50,000 | $20,000 | $2,000 |
| Death by travel accident | $250,000 | $100,000 | $4,000 |
| Loss of eyesight | $20,000 | $20,000 | $2,000 |
| Loss of one limb | $10,000 | $10,000 | $1,000 |
| Loss of two or more limbs | $20,000 | $20,000 | $2,000 |
| Benefit | Amount | Details |
|---|---|---|
| Initial hospital benefit | $1,000 | Lump sum after first 24 hrs of confinement due to accidental injury. Once per person per calendar year. |
| Daily hospital — year 1 | $150/day | Payable for up to 26 weeks per accident. Amount increases the longer your policy is in force. |
| Daily hospital — year 2 | $250/day | |
| Daily hospital — year 3 | $350/day | |
| Daily hospital — year 4+ | $500/day | |
| ICU confinement | 2× daily rate | Up to 30 days. Paid in addition to the daily hospital benefit — not instead of it. |
| Emergency treatment | Up to $500 | Actual expenses covered. Must be received within 48 hours of the injury. |
| Fractures & dislocations | Up to $200 | Bone fractures and joint dislocations. Max $300 cumulative per accident per covered person. |
| Blood and plasma | $200 | Administered during hospital confinement. Once per accident. |
| Ambulance | $300 | Ground or air ambulance within 100 miles of the accident. Once per accident. |
| Transportation | $300 | To hospitals 100+ miles away when specialized treatment is not locally available. Once per accident. |
| Waiver of premium | Premiums waived | If you're continuously hospitalized for 30+ days, premiums are waived while hospital benefits continue. |
Who can be covered
Individual (Plan HAJ): Ages 3–60 · Single Parent (Plan HAK): Ages 15–60 · Family (Plan HAL): Ages 15–60
Coverage is renewable until the policy anniversary following your 65th birthday or Medicare eligibility. A person may only be covered under one Accident Protector Max plan.
State-specific notes (MS, LA, AL)
Mississippi: Arbitration Agreement required. Payment of Claims and Policy Control at age 15 instead of 16. Children covered to age 26 with proof of eligibility within 31 days of 21st birthday.
Louisiana: Grandchildren can be covered. Coverage to age 26 instead of 21. 45-day advance notice of any premium change.
Alabama: Arbitration Agreement required. Payment of Claims and Policy Control at age 15 instead of 16.
Want to see what this costs for your age and family size?
Takes 60 seconds · No personal info required Book a free call with Nick- Losses caused wholly or partially by sickness, disease, or illness
- Self-inflicted injuries of any kind
- Operating or riding as crew in a private aircraft
- War or acts of war, declared or undeclared
- Being under the influence of alcohol, drugs, or narcotics (unless prescribed by a physician)
- Participation in a felony, riot, or insurrection
- Mental or emotional disorders
- Stunt driving or organized racing events (for automobile accident death benefit)
- No AD&D benefit payable for covered children under age 1
- Cannot replace an existing Liberty National Division accident policy
Also consider: Cancer Endurance Plan1 in 3 people will face a cancer diagnosis. Bundle both policies for complete protection starting as low as $20/month.
Ready to get covered?
Nick Parish · Steadfast Life & Health · Licensed Agent · MS, LA, ALSources & References
- National Safety Council — Injury Facts — Annual report on accidental injuries and deaths in the U.S., including ER visit frequency and economic cost data. injuryfacts.nsc.org →
- CDC — National Center for Injury Prevention and Control — Data on accidental injury rates, causes, and costs across age groups and demographics. cdc.gov/injury →
- CDC — WISQARS (Web-based Injury Statistics Query and Reporting System) — Interactive database for U.S. injury and death statistics by cause, age, and state. cdc.gov/injury/wisqars →
- OSHA — Workplace Injury and Illness Summary — Annual data on occupational injuries and illnesses, relevant to on-the-job accident risk. bls.gov/iif →