Accident Plans



  • On average, there are 15 accidental deaths and 4,440 disabling injuries
    every hour.
  • Each year, more than 1 in 8 people seek medical attention from an injury.
  • 39.4 million people are treated in hospital emergency rooms.
  • There are 116.8 million visits to the emergency department each year.
  • About 34% of all emergency room visits are injury related.
  • The average economic impact of an accident is $5,900 per household.
  • Injuries off the job continue to be significant.
  • Nearly three-fourths of disabling injuries to workers occur off the job.
  • 9 out of 10 accidental deaths occur off the job.
  • Accidents are the leading cause of death among persons up to age 42.
  • Accidents are the fifth leading cause of death overall.


  • Your benefits BEGIN IMMEDIATELY on your effective date.
  • Your benefits are paid DIRECTLY TO YOU, unless you or the law requires otherwise.
  • Your benefits are paid IN ADDITION to any other insurance you have.
  • Your coverage is GUARANTEED RENEWABLE for life—only you can cancel.
  • Your benefits are NEVER REDUCED.
  • Your premium DOES NOT INCREASE with age.
  • You CANNOT BE SINGLED OUT for a rate increase. Your rates can only be
    increased if they are increased for all plans of this kind in your state.
  • You receive the stability of a Family Heritage Policy. Family Heritage has NEVER
    RAISED A RATE on an existing policy.


Helping you provide protection for you and your family.