Accident & Hospital Recovery

​LifeSecure Insurance Company's supplemental insurance products help extend coverage so your employees and their family members 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 communication 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 accidental injury 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 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 - no medical questions
  • Disappearing Deductible
  • Annual Benefit Bank resets on Jan 1 each year
  • 24/7 coverage on and off the job
  • Does not coordinate benefits
  • Cash benefits

Participation Requirements

  • 3 Application Minimum for List Bill
  • Eligible Issue Ages: 18-74; Guaranteed Renewable to Age 75

Biweekly Premiums
Weekly Premiums
Monthly Premiums

Hospital Recovery Insurance

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 provides cash benefits regardless of any other insurance your employee may have.  It is affordable insurance designed to extend protection and help with those unexpected costs so families can focus on recovery.  Click for details...

with Observation Coverage — WORKSITE

Plan Information

  • Annual Benefit Bank = Daily Benefit Amount x 35 days. Available per covered family member
  • Daily Benefit Amount = Amount payable for each inpatient hospital day – up to 35 per year, which includes up to 4 days for treatment in an observation unit
  • $200: No Medical Questions or Build Chart; other amounts available with underwriting

Participation Requirements:

  • 3 Application Minimum
  • Eligible Issue Ages: 18-85, Guaranteed Renewable for Life
  • Employees must be Actively-at-Work at least 20 hours per week
  • Does not coordinate benefits
  • Cash benefits

Bi-Weekly Premiums

Weekly Premiums

Monthly Premiums


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. This is an insurance solicitation. An agent may contact you. 
LS-AC/HR-14020 MI 08/19