Most healthy people with health insurance are concerned that an accident could cause financial strain on the family.  With companies raising insurance deductible each year there is a simple product you can buy to protect yourself and your family: an Accident Medical Expense (AME) Policy: AME Brochure

True Story:

My brother and I went bowling last summer and he slipped on the oily lane.  While bracing his fall he hyperextended his arm, tearing the labrum in his left shoulder.  He was told that he would need surgery to repair this damage.  His health insurance deductible was $5,000 and his medical bills exceeded $10,000.  Knowing that my brother did not have an extra $5,000 laying around (and that he was a terrible bowler with bad form) I wrote him a supplemental accident policy a few years earlier to cover his high deductible.  When all was said and done my bother did not have to pay his deductible and the whole ordeal only cost him $250, which was the cost of using the accident policy.

Accident policies are available for individual and for families.  They require NO MEDICAL UNDERWRITING and can be effective as soon as the next day.

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