Turn Accidents Into Opportunities for Financial Security
When life trips your clients up, help them land on their feet.
A simple slip, a sports injury, or a freak accident can leave clients with big out-of-pocket costs—even if they already have health insurance.
Zurich Accident Medical Coverage, pays cash benefits for accident-related medical expenses and accidental loss, helping protect savings and income while clients recover.
Why Agents Love Selling It
Low entry price point—plans start under $17/month for individuals.
Easy to bundle with Hospital Indemnity, Critical Illness, or Accident Disability for bigger cases.
Simple enrollment—AFEUSA membership plus basic application.
Broad market appeal—ideal for gig workers, active families, and budget-conscious clients.
Fast close cycle—no lengthy underwriting delays.
What Makes Zurich Accident Medical Unique
Cash benefits up to $10,000 for covered accident medical expenses.
$0 or $250 deductible options to fit any budget.
Includes Accidental Death & Dismemberment (AD&D) benefits up to $20,000.
No coordination with other coverage—pays regardless of any other insurance.
Spouse and dependent coverage available at a percentage of the primary member benefit.
Nationwide availability through AFEUSA’s group purchasing power.
No major medical requirement—great fit for clients with ACA, non-ACA, or no health insurance at all.
Commissions that Build Long-Term Income
Competitive street-level commissions with level renewals mean steady residual income. Supplemental nature makes it an easy add-on sale that boosts client protection and your earnings.
Agent FAQ: What You Need to Know to Sell This Confidently
Who can enroll?
AFEUSA members ages 18–64. Coverage ends at age 75, with a 50% AD&D benefit reduction starting at age 67.
What benefits are included?
Accident Medical Expense benefit (up to $10,000), plus Accidental Death & Dismemberment benefits (up to $20,000) and Covered Loss of Use benefits.
How is the benefit paid?
Zurich reimburses covered accident medical expenses up to the plan’s limit after the deductible is met. AD&D and Loss of Use benefits are lump-sum payments.
Are accidents covered anywhere?
Yes—coverage applies regardless of where the accident happens, subject to policy exclusions.
Can this be paired with other coverage?
Absolutely. This plan works well alongside health insurance, hospital indemnity, and critical illness coverage.
Are there exclusions?
Yes—no benefits for losses from illness, disease, war, certain hazardous activities, intoxication, or illegal acts. See certificate for full list.
Before you go... Are you prepared?
We’re entering the most disruptive chapter of health insurance since the ACA. This is your window to grow — is your strategy solid? Talk with a success rep today!