Accidents Aren’t Part of the Plan
That’s Why You Plan with USAble Life!
Get an additional layer of financial protection that pays cash directly to you in the event of a covered accident.
The Comparison Table:
IMPORTANT NOTE: The following figures are only examples, based on the 2026 Outline of Coverage for Florida residents. These amounts show what the plan pays directly to you, regardless of other insurance.
| Benefit Category | Plan 1 | Plan 2 |
|---|---|---|
| Emergency Treatment | Up to $300 | Up to $400 |
| Hospital Admission | $4,500 | $4,500 |
| Hospital Confinement | $1,020 / day | $1,360 / day |
| Ambulance (Ground) | $900 | $1,200 |
| Fractures | Up to $11,250 | Up to $15,000 |
| Welness Benefit | $60 | $75 |
| Accidental Death | $180,000 | $240,000 |
How It Works
(Real-Life Example)
The Scenario: You have Plan 2. You fall off a ladder and fracture your elbow.
The Payout: * $75 Wellness Claim (from earlier in the year)
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$1,200 for Ambulance transport
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$400 for ER Treatment
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$3,720 for the Fracture
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$400 for Physical Therapy (5 sessions)
Total Benefit: $5,795 paid directly to you
Have Any Specific Questions?
Want to review later?
Download our Accident Coverage Summary to compare anytime.
Why choose this plan?
Cash in Your Pocket
Benefits are paid directly to you (or your beneficiary) to use for rent or groceries, anything you want.
Locked-In Rates
Your premium doesn’t increase just because you get older; your rate is locked in based on your age when the policy starts.
Wellness Pays You Back
Get paid every year just for completing a routine preventative test.
Double Coverage
This plan pays in addition to any other insurance you already have.
Eligibility &
Enrollment
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Florida Residents: Must be a resident and U.S. Citizen (or permanent resident for 6+ months).
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Age Requirements: Available for adults age 19–64.
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Family Coverage: You can cover yourself, your spouse, and your children (up to age 22).
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Effective Dates: Start on the 1st or 15th. Benefit is available once per year, beginning 90 days after the policy takes effect.
Disclaimer!
This policy only covers losses resulting from a “Covered Accident” as defined in the policy. It does not cover injuries from illegal activities, professional sports for pay, or self-inflicted injuries. For a full list of exclusions and limitations, please contact a SurePath Advisor.