Unfortunately, you can’t predict accidents. They just happen, suddenly and without warning, and at times they occur when family debts are high and savings are low. Few families are prepared financially for the sudden hardship brought about by the unexpected tragedy of an accident, but they are an unfortunate reality of life.

• Accidents are the 4th leading cause of death in North America, outranked only by heart disease, cancer and strokes.
• Accidents are the #1 cause of death of people under age 38.
• Falls are a leading cause of accidental death for people as they grow older.

American Income offers these valuable policies so you can protect your family in case of accidents and serious illness:

PROTECTION WHEN YOU ARE HOSPITALIZED 
This benefit can be a blessing to the family of an accident victim. The money is paid directly to the insured as an income supplement, to be used as the insured sees fit. This is an “accident only” benefit.  Benefits are payable under this policy for hospital confinement, intensive care, emergency medical treatment, and accidental death and dismemberment.

PROTECTION WHEN YOU ARE DISABLED
This allows a working person to protect what they cannot replace; their ability to earn an income. Social Security benefits for total disability have a five calendar month waiting period for those who can qualify (about 6 months for the first check). Good common sense would tell one to consider a supplemental disability policy to provide income during this mandatory waiting period before they even begin receiving Social Security benefits. The weekly benefit has a maximum benefit period of 26 weeks, creating an almost perfect fit as a supplement to Social Security’s disability plan.