Accident Products

57% of Americans have less than $1,000 in their savings accounts.1

Product Information

Accident happens. These Accident products are designed to help with out-of-pocket expenses when the unexpected occurs.

Watch a brief video to learn more about Accident Plans Accident Brainshark
NEW - Accident ProGuard
Simplified Issue*
Accident SafeGuard
Accident Benefit $5,000 or $10,000
Critical Illness Benefit $10,000-$50,000
AD&D Benefit $5,000 or $10,000 
*Guaranteed issue plan options also available
Benefit Levels:
Plan A: $25,000
Plan B: $50,000
Plan C: $100,000
Includes AD&D Benefit

NEW - Accident ProGap
Simplified Issue

Accident Benefit $2,500 or $7,500
Critical Illness Benefit $2,500-$7,500
Hospital Admission Benefit $2,500 (per person)
AD&D Benefit $2,500 or $7,500
NEW - Accident ExpenseGuard
Guaranteed Issue

Accident Benefit $5,000-$20,000
AD&D Benefit $5,000-$20,000
Introduce your clients to the latest Accident Portfolio: ProGuard, ProGap, and ExpenseGuard! These products are now available in select states.
  • Renewable coverage up to age 702 
  • Application with simple medical questions (Guarantee Issue plan options also available)
  • Can be applied for, regardless of other insurance
  • Payment made directly to client to be used as needed
  • No network restrictions 
Product Availability Accident ProGuard/ProGap/ExpenseGuard Map

Enlarge Accident ProGuard/ProGap/ExpenseGuard Product Availability Map
Product Availability Accident SafeGuard/SafeGuard Premier Map

Enlarge Accident SafeGuard Product Availability Map


Let us be the secret to your success!
Start here with these sales tips to help you with
your next client quote.

Sales Tips

We want you to be successful and feel prepared to present our product portfolio to your clients.
Use these Sales Tips to grow your Accident business.

· It's called an "Accident" for a reason - nobody plans on it, but your clients can plan on being covered. Educate your customers on reasons why the need is real to have coverage for Accidental injuries. Each year, millions of people are injured and survive. Many are faced with financial problems.3
· Work with individuals and families with active lifestyles and those with children. We all know children are accident prone - in 2003, 2,578,235 children went to the ER for nonfatal falls!4 


When is the right time to offer a certain product?
How does it compare to other options?
We have the answers right here.

Product Positioning

We know your clients have a choice of products to meet their needs. That’s why we want to share a few ways our Accident products may be the best option for your client.

Accident ProGuard may be ideal for your clients who already have a Health ProtectorGuard Fixed Indemnity plan. These plans can make a great pair.
Clients looking for a wide range of coverage may benefit from Accident ProGap. Accident, Critical Illness, Hospital Admission, and AD&D are combined into one convenient plan with multiple benefits.
An accident can happen anywhere. The nearest treatment may not be in your client's network. Accident ExpenseGuard plans can help cover out of network costs associated with ACA plans. 2017 GOBankingRates Survey
2At the time of application, the primary insured and spouse must be between 18-64 years of age. Benefits reduce by 50% after age 65. Centers for Disease Control, July 2016
4Safe Kids Worldwide, Home Safety Fact Sheet (2015)

Most products and services are underwritten by Golden Rule Insurance Company or Oxford Health Insurance, Inc.
References to UnitedHealthcare pertain to each individual company or other UnitedHealthcare affiliated companies.
Administrative services are provided by United Healthcare Services, Inc.
UnitedHealthOne is a brand name that represents a portfolio of insurance options for individuals and families.
All products require separate applications. Separate policies or certificates are issued. Medical plans are medically underwritten– see the product brochures and applications.
Product availability varies by state.
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