Accident, Critical Illness & Cancer Plans: They Really Do Work!

To enroll in one of these plans is to give us a call at 425-802-2783 or

Sign Up for a LifeSecure Plan HERE on your own

After a lot of research we have narrowed down the plans to two choices; a fixed benefit plan and an indemnity (pays per injury) type plan. Both are good plans, it’s just a matter of preference…Honestly pick the company you want, then pick the plan you want.

NOTE: None of these plans pay out for preexisting conditions. They are lower cost affordable plans for a reason and intended for ONLY new medical conditions.

  1. Accident Plans (LifeSecure & AFLAC). Usually the most useful plan!
  2. Critical Illness Plans (AFLAC only)
    • Covers new illnesses (heart attack, stroke, third degree burns, coma, etc)
  3. Cancer Plans (AFLAC only)
    • Covers new cancer diagnosis.

LifeSecure Accident Plan: This is the most simple plan, where it covers new injuries that occur with a fixed max payout.

Sign Up for a LifeSecure Plan HERE on your own

More details here:

  • The Advantage is that for example (see below) if you have a $4,000 broken nose injury and a $300 deductible it would pay you $3,700. There are some limitations for number of doctor visits. Generally a bit lower cost than AFLAC, but not much.
    • Example: Generally better for larger injuries with less follow up treatment (like a broken nose, once it’s treated it pretty much heals on it’s own). 
  • The Disadvantage is that it takes time to get paid once you submit the medical bills to LifeSecure. But honestly you usually have a month or so before needing to make that payment to the hospital, urgent care or doctors office.

AFLAC Accident Plan: This pays out per injury treatment. It has no specific maximum payout, yet does has a fixed per treatment payout.

  • The Advantage is that AFLAC pays out the next day once you submit the bill. Gives you money quickly! No max limits on payouts, yet they do have limits for each procedure or type of treatment. Overall a more comprehensive plan that has ongoing benefits per injury.
    • Example: Generally a better plan if there is an injury with multiple treatments or doctor visits (being admitted to a hospital for a longer period of time). The AFLAC plan pays a per day hospital amount, ambulance, physical therapy, hotel for family members if needed.
  • The Disadvantage is lower payouts for minor injuries that are simply treated (broken nose). Generally slightly more expensive but more comprehensive plan.

Example of how a LifeSecure Policy works.

Gary Franke, Tamara Chandler, Justin Cross
Independent Broker
Achieve Alpha Insurance, LLC           
13500 Bel-Red Rd, Ste 4
Bellevue, WA 98005
(425) 802-2783

Achieve Alpha