Accident & Hospital Recovery

LifeSecure Insurance Company’s supplemental insurance products help extend coverage so your employees and their families can focus on healing following a hospital stay or accidental injury. 

By offering Hospital Recovery and/or Personal Accident insurance through our partner LifeSecure Insurance Company, you can help your employees pay for  expenses resulting from unexpected hospitalizations or accidental injuries, as there  may be out-of-pocket expenses above and beyond what medical insurance covers. 


If you are a small business interested in the SBAM sponsored LifeSecure program, please contact us at (800) 362-5461 or visit our agent directory to connect with a licensed agent in your area.

LifeSecure offers a full suite of easy-to-understand benefit materials for SBAM members to educate and engage your employees prior to and during the enrollment period.  A secure, online method for completing applications with e-signatures is quick and simple for employees to use.  Applicants without internet access may complete a fillable application PDF, which will later be data-entered via LifeSecure’s online Agent Portal.

Are you an Agent who would like to introduce the LifeSecure products to your customers?  Click here to become appointed today!

Personal Accident Insurance

After an accident occurs, things like lost wages, out-of-pocket medical expenses and the cost for  things like transportation, meals, child care or even housekeeping can all add up. LifeSecure’s Accident insurance is guaranteed issue and provides cash benefits directly to the employee in addition to their medical plan. It’s designed to help protect against financial challenges by providing cash benefits that can be used to pay for  unexpected costs associated with an accidental injury. Click for details...

Plan Information

  • Guaranteed Issue
  • Disappearing Deductible
  • Benefit Bank resets on Jan 1 of each calendar year
  • 24/7 coverage on and off the job
  • Does not coordinate benefits
  • Cash Benefits

Participation Requirements

  • 3 Application Minimum
  • Eligible Issue Ages: 18-74

Covered Expenses Include:

  • Ambulance transportation
  • Emergency room, urgent care center or physician’s office visits
  • Surgery
  • Hospitalization, including intensive care unit (ICU)
  • Major diagnostic exams (CT, MRI, EEG)
  • Tests and X-rays
  • Follow-up visits
  • Rehabilitative therapies
  • Certain durable medical equipment and prosthetic devices
  • Drugs administered in a hospital, urgent care center or physician’s office setting

Hospital Recovery

Once a patient leaves the hospital, they shouldn’t have to worry about unexpected financial setbacks during recovery. Things like lost wages plus the costs for help with transportation, meals, child care, or even housekeeping can all add up. LifeSecure’s Hospital Recovery insurance is modified simplified issue and provides cash benefits regardless of any other insurance the claimant may have.  It is affordable insurance is designed to extend protection and help with those unexpected costs so families can focus on recovery.  Click for details...

Plan Information

  • Daily Benefit Amounts are available in $10 increments
  • Annual Benefit Bank = Daily Benefit Amount X 30
  • Underwriting = Building Chart + 4 Medical Questions
  • Benefit Bank resets on Jan 1 of each calendar year

Three Optional Riders:

  • Rehabilitation Facility Benefit
  • Major Diagnostic Exam Benefit
  • Emergency Room & Ambulance Benefit

Participation Requirements

  • 3 Application Minimum
  • Eligible Issue Ages: 18-74


The Personal Accident Insurance and Hospital Recovery Insurance products are individually underwritten by LifeSecure Insurance Company - Brighton, MI. Availability of benefits, amounts and options may vary by state. Please remember only the insurance policy can give actual coverage amounts, terms, conditions, limitations and exclusions. Refer also to the Outline of Coverage.