Family Heritage Accident Plans
Financial Protection for Life’s Unexpected Injuries
Accidents can happen anytime — at work, at home, on the road, or during everyday activities. Even with major medical insurance, out-of-pocket costs like deductibles, copays, and lost income can create financial stress.
Family Heritage Accident Plans provide cash benefits paid directly to you when covered injuries occur — giving you financial flexibility when you need it most.
About Family Heritage Life Insurance Company of America
Family Heritage specializes in supplemental insurance designed to work alongside your existing health coverage. Accident plans help bridge the financial gaps that traditional insurance doesn’t fully cover.
What Does an Accident Plan Cover?
Coverage varies by policy, but accident plans may provide benefits for:
✔ Emergency room visits
✔ Ambulance transportation
✔ Hospital admission
✔ ICU confinement
✔ Fractures and dislocations
✔ Burns and lacerations
✔ Concussions
✔ Physical therapy
✔ Follow-up visits
Benefits are paid directly to you — not the hospital — so you decide how the funds are used.
Why Consider Accident Coverage?
Even a minor injury can result in:
- High deductibles
- Coinsurance costs
- Missed work and lost wages
- Travel expenses
- Childcare costs
Accident insurance helps reduce the financial impact of unexpected injuries.
Who Is Accident Coverage Ideal For?
- Families with active children
- Individuals with high-deductible health plans
- Self-employed workers
- Small business employees
- Anyone wanting extra financial protection
Accidents are unpredictable — protection shouldn’t be.
How It Works
- Select your coverage level
- Lock in your monthly premium
- Receive direct cash benefits if a covered accident occurs
Coverage is simple, affordable, and designed to complement your major medical plan.
Key Benefits
✔ Affordable monthly premiums
✔ Coverage for on- and off-the-job accidents
✔ Benefits paid directly to you
✔ Helps offset deductibles and out-of-pocket costs
✔ Easy enrollment process
Download the full PDF
We’re here to help. Let’s talk.
Why Work With Us?
✔ Licensed insurance professional
✔ Personalized coverage review
✔ Clear explanation of benefits
✔ No-cost consultation
We help you determine if accident coverage fits your family’s needs and budget.
Be Prepared Before an Accident Happens
You can’t predict injuries — but you can prepare for them.
Protect your household finances with Family Heritage Accident Coverage.
Request a Free Coverage Review
No obligation. No pressure. Just honest answers and personalized options.
Have additional questions?
We’re here to help. Let’s talk.