High Limit Accident Insurance That Pays When Life Insurance Won’t
Protect Your Loved Ones from the Unexpected — Coverage from $100,000 up to $100 Million for Accidental Death or Dismemberment, Beyond Life or Health Plans
Most Insurance Doesn’t Cover Serious Accidents. This One Does With Up to $100M in Added Protection
Every day, people experience tragic accidents such as car crashes, fires, private plane incidents, or extreme sports injuries. Many assume they are fully protected by their life or health insurance.
The truth is, most policies do not cover accidental dismemberment, unusual accident scenarios, or disappearance where the body is not found. Even when coverage exists, the payout is often not enough.
That’s why more individuals and families are choosing high limit accident insurance. This policy offers flexible coverage from $100,000 up to $100 million, with fast approval and no medical exam. Benefits are paid in addition to your existing life or health insurance, providing an extra layer of financial protection when it matters most.
Benefits of Having Accident Insurance
Covers accidental death, dismemberment, and rare accident scenarios
Pays in addition to your life or health insurance
Fast underwriting in 1 to 4 business days
No medical exam or intrusive health questions
Includes coverage for disappearance, exposure, and even acts of war
How Does High Limit Accident Insurance Work?
When the unexpected happens
A car crash, fire, or accident can change everything in an instant. Most families are surprised to learn that traditional insurance may not fully cover these events.
Emergency care is needed
You are taken to the hospital, where doctors confirm serious injuries. At the same time, financial stress often starts to build for families dealing with medical and daily expenses.
Your loved ones are protected
High Limit Accident Insurance provides coverage from $100,000 up to $100 million in a lump sum for accidental death or dismemberment. This benefit adds peace of mind on top of your existing coverage.
The benefit is paid quickly.
Your family receives funds without long delays, helping them manage bills, living costs, and their future with security during a very difficult time.
What Policyholders Are Saying
"I already had life insurance but didn’t realize accidents and dismemberment weren’t fully covered. Getting approved was simple and fast, and now I know my family has up to $3 million in added protection. It gives me peace of mind every day."
- James R
Frequently Asked Questions
Q1. What is high limit accident insurance?
High Limit Accident Insurance is a type of personal accident insurance that pays a lump sum for accidental death or dismemberment. Coverage amounts start at $100,000 and can go up to $100 million, depending on your income and needs.
Q2. How is accident insurance different from regular life insurance?
Most life insurance policies cover death from natural causes and accidents, but do not pay for dismemberment or certain high-risk scenarios. High Limit Accident Insurance specifically protects you in the event of a serious accident, including car crashes, fires, private plane accidents, extreme sports, and more.
Q3. Do I need a medical exam to qualify?
No medical exam is required. The application process is simple and can be completed by email or fax, with underwriting typically taking 1 to 4 business days. This makes personal accident insurance much faster to secure compared to traditional life insurance.
Q4. How much does the accident insurance premium cost?
The accident insurance premium depends on factors like your age, coverage amount, and income. However, because this is accident-only coverage, premiums are often much more affordable compared to traditional life insurance. Many families find the cost of coverage to be less than a few dollars per day.
Q5. Does this policy pay in addition to other insurance?
Yes. High Limit Accident Insurance pays benefits in addition to your existing life or health insurance. That means your beneficiaries could receive your $1 million life insurance policy payout, plus an additional $1 million or more from your personal accident coverage.
Q6. What types of accidents are covered?
Coverage includes accidental death or dismemberment caused by traffic accidents, fires, firearm accidents, extreme sports, commercial or private aviation, and even acts of war. It also covers exposure to the elements and disappearance where the body is not found within 365 days.
Q7. How fast are benefits paid?
Claims are paid as a single lump sum, typically much faster than traditional life insurance settlements. This ensures your family receives the financial support they need without long delays.
Q8. Who should consider high limit accident insurance?
This coverage is ideal for anyone seeking financial protection from serious accidents, especially travelers, pilots, and active individuals. Most families and professionals choose between $100,000 and $2 million in coverage, while business owners or high-net-worth clients may opt for up to $100 million. Adding personal accident insurance to an existing life policy ensures protection from both natural and accidental risks.
