A Purposeful Approach to Accident Coverage

There are some who may consider an accident plan as a meager employee benefit, a gimmicky add-on from credit card companies or perhaps a last resort when standard coverage cannot be obtained. Accident Insurance, however, offers definite value and can be extremely useful in solving insurance problems.

For example, an accidental disability plan can effectively supplement workers’ compensation benefits, or it can provide a solution to a traditional disability insurance policy benefit limit that does not adequately cover the insured.

An accidental death plan can also solve the problem of insufficient traditional life policy benefit limits. Since accident plans are typically a fraction of the cost of full coverage plans, they are a terrific way to round out a client’s insurance portfolio and are a part of a comprehensive approach to risk management.

Typically, hazardous avocations are excluded from traditional insurance policies and a High-Limit Accident plan can fill the void. Activities that can be covered include:

  • Private Aviation
  • Scuba Diving
  • Motor Racing
  • Bungee Jumping
  • Skydiving
  • Mountaineering
  • And others…

Petersen International Underwriters offers a complete line of High-Limit Accident Insurance for both life and disability coverage. Contact us today to learn more about how you can provide your clients with a cost-effective solution to their insurance needs.

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