Buyer beware! Not all accident insurance policies are NOT the same. The two primary types can be divided into two major categories. 

1. Individual
2. Group

To delve deeper into the differences, insurance companies do and will offer various options. Thus it is important to check with a qualified agent, broker or company service representative. 

Generally speaking Individual accident plans can be purchased individually whereas group accident insurance is offered as a benefit through employers. 

Accident “riders” can also be added to other forms of insurance such asn life insurance as a rider. When offed in this fashion it can or may offer double indemnity if death occurs due a an accident. There definition and terms must be discussed with a qualified professional. 

What are the benefits? This is a broad and deep subject and will vary so it is our suggestion that you search our site and type in the seach category “Accident insurance” and find a Retail Agent, Retail Broker or a Retail Insurance Company for further information. 

For the Professionals, you can use our seach engine only with a paid subscription. There is a free trial and there are two major options. Professional Viewing or a Directory Listing. We offer a package subscription and more options. Click here to view the features.