Accidental death coverage for the entire family
For $30/mo at any choice of plan — and no additional cost for growing families.
Apply for Your FamilyThe story
an accidental death happens to someone in the U.S.
leading cause of death overall.
Most families are not prepared for the changes that come — no one wants to spend time thinking about the worst.
An average accident can devastate a family financially. Families need protection that actually helps when the worst comes true.
Families need the Family Protector — an all-in-one accidental death coverage.
The cost
Choose the plan that fits your family. Premiums are level and never increase.
| Family member | Plan 1 | Plan 2 | Plan 3 | Plan 4 |
|---|---|---|---|---|
| Primary insured | $300,000 | $150,000 | $250,000 | $200,000 |
| Spouse | $0 | $150,000 | $0 | $50,000 |
| Each child | $0 | $0 | $25,000 | $25,000 |
*Issue ages 56–65 are covered at 50% of the plans listed above.
Apply for Your FamilyBenefits
Family Protector is available in a growing number of states, with new states coming soon. Availability is confirmed during the application based on your state of residence.
The best thing you can do for them is only $30/month.*
Death must occur independent of all other causes and within 365 days of the injury.
A simple sign-up process with an easy platform to manage benefits.
Apply online at the application link — it takes only a few minutes.
An agent will reply with confirmation and your contract.
You're enrolled and covered — manage your benefits in the portal.
Apply
Accidental death insurance made simple — apply in about 5 minutes. Tell us a little about your family and an agent will follow up.
Questions
Disclaimers and important information.
Family Protector is an accidental death insurance plan. It pays a lump-sum benefit to your beneficiary if a covered family member dies as the result of a qualifying accident. It is not traditional life insurance, and it does not cover death from illness or natural causes — it's built to protect your family's finances against a sudden, accidental loss.
$30 a month — about $1 a day — or $330 a year if you pay annually. Your premium is level: it does not increase as your family grows or changes.
Coverage depends on the plan you choose. The largest single benefit is $300,000 for the primary insured under Plan 1. Plan 2 splits $150,000 each between you and your spouse. Plan 3 covers you for $250,000 plus $25,000 for each child. Plan 4 covers you for $200,000, your spouse for $50,000, and each child for $25,000.
Either spouse can be named as the primary earner and primary insured — your household chooses.
Yes, depending on the plan you select. Plan 2 covers your spouse for $150,000. Plan 4 covers your spouse for $50,000 and each child for $25,000, and Plan 3 covers each child for $25,000. Children's coverage generally ends at age 25.
Under Plan 4, newborn and newly adopted children are automatically covered under certain conditions, as described in your policy.
No medical exam and no blood work. Because this is accidental death coverage, approval is not based on your health history. The application is online and takes only a few minutes.
Qualifying accidents include events such as auto accidents, workplace accidents, falls, and other accidental injuries that result in death. To pay a benefit, the death must result directly from the accident, independent of any other cause, and occur within 365 days of the injury.
This is the most important thing to understand before you apply. Family Protector pays only for death caused by a covered accident. It does not pay for death from illness or natural causes, including cancer, heart attack, stroke, and most diseases. Other standard exclusions also apply — your policy and certificate list them in full.
Accidents are sudden, unpredictable, and a leading cause of death among working-age adults — often the very people a family depends on for income. For about $1 a day, Family Protector puts up to $300,000 of protection in place with no medical exam. Most families use it as an affordable supplement to traditional life insurance, not a replacement, filling a gap at a price that's hard to match.
Premiums stay level. However, for applicants ages 56–65, benefit amounts are reduced to 50% of the scheduled amounts. For example, the $300,000 Plan 1 benefit becomes $150,000.
The application is online and takes only a few minutes — no exam and no medical records to gather. Choose your plan, name your beneficiaries, and make your first payment to put coverage in place.
Apply in 5 minutes. The easiest decision you can make for your family.
Apply for Your Family