LifeSecure Insurance Company
Supplemental Coverage That Pays You Cash When Life Happens
Affordable accident, critical illness, and hospital indemnity plans from LifeSecure—designed to fill the gaps your major medical insurance leaves behind. Quote and apply online in minutes.
Three Ways to Protect Yourself and Your Family
Pick the coverage that matches the gaps in your current health plan—or stack two or three for stronger protection.
Accident Insurance
Cash benefits for emergency room visits, x-rays, fractures, dislocations, ambulance, physical therapy, and more—paid directly to you when an unexpected injury sends you for medical care.
Critical Illness Insurance
A lump-sum cash payment from $5,000 to $50,000 when you’re diagnosed with a covered condition like heart attack, stroke, cancer, or kidney failure. Use the money for anything you need.
Hospital Indemnity Insurance
Daily cash benefits from $100 up to $900 for every day you’re admitted as an inpatient. Helps you pay deductibles, coinsurance, and bills that pile up while you’re recovering.
Quick Comparison
Use this table to figure out which plan—or combination—fits your situation best.
| Plan | Triggered By | How You’re Paid | Best For |
|---|---|---|---|
| Accident | An unexpected injury (broken bone, ER visit, sports injury, fall) | Benefit amounts based on the specific care you receive, up to your Annual Benefit Bank | Active families, kids in sports, anyone with a high-deductible health plan |
| Critical Illness | Diagnosis of a covered condition (heart attack, stroke, cancer, etc.) | One lump-sum cash benefit ($5,000–$50,000) you choose at enrollment | Anyone with family history of cancer or heart disease, or who wants protection against a major diagnosis |
| Hospital Indemnity | Admission to a hospital as an inpatient | Daily cash benefit ($100–$900/day) for each day of your stay, up to a chosen number of days | Expecting parents, anyone facing a planned surgery, or anyone whose major medical plan has a high inpatient deductible |
How LifeSecure Works With ACA Plans
Illustrative examples of how accident and hospital indemnity coverage can help offset deductible, copay, and coinsurance exposure on marketplace health plans.
| Scenario | ACA Plan Exposure | LifeSecure Cash Benefits | Why It Helps |
|---|---|---|---|
| Bronze ACA plan + Accident Insurance ER visit, x-ray, broken wrist, cast, and follow-up care after a fall. |
On a high-deductible ACA plan, the member could easily owe $1,000 to $2,000+ before the health plan pays much. | The accident plan can pay cash for the ER visit, imaging, fracture treatment, and follow-up services. In many cases, that can offset several hundred dollars to well over $1,000 of the bill. | Instead of paying the full injury bill out of pocket, the accident plan can absorb a large share of the deductible exposure. |
| Silver ACA plan + Hospital Indemnity 3-day inpatient stay after appendicitis or emergency surgery. |
Even with an ACA plan, a hospital admission may leave the member with $2,500 to $4,500 in deductible and coinsurance. | A $300-per-day hospital indemnity plan would pay $900 for a 3-day stay. A $500-per-day plan would pay $1,500. | The cash benefit goes directly to the member and can be used for the deductible, anesthesia bill, prescriptions, or missed work. |
| ACA plan + Accident + Hospital Indemnity Broken leg with ER treatment, imaging, surgery, and a 2-night hospital stay. |
This is the kind of claim that can push a marketplace member deep into the deductible and coinsurance range in one shot. | The accident plan can pay for the injury-related care, and hospital indemnity can add another $600 to $1,000+ depending on the daily benefit selected. | Bundling both products creates a stronger cushion against the exact kind of sudden out-of-pocket shock that Bronze and Silver ACA members worry about most. |
Examples are illustrative only. Actual out-of-pocket amounts depend on the ACA plan selected, provider billing, and the LifeSecure benefit options chosen at enrollment.
Why LifeSecure?
A specialty carrier focused on supplemental health products since 2007—rated A- (Excellent) by AM Best.
- Cash benefits paid directly to you—not the doctor, not the hospital. Use the money however you need.
- Coverage stacks with any health plan, including marketplace plans, employer plans, Medicare, and high-deductible plans.
- Guaranteed renewable—LifeSecure can’t cancel your coverage as long as you pay premiums.
- No medical exam for most applicants—a few simple health questions and you’ll know in minutes.
- Family coverage available, with children typically included automatically on critical illness plans.
- Affordable monthly premiums—most accident plans start under $25/month for an individual.
How to Get Started
Three simple steps—you can typically be enrolled in under 15 minutes.
1. Get a Quote
Click below to launch the LifeSecure quote tool. Enter your age, ZIP code, and the coverage you want—you’ll see your monthly premium instantly.
2. Apply Online
Answer a few brief health questions. Most applicants are approved immediately. No medical exam, no lab work.
3. Coverage Begins
Set your effective date and start date for premiums. Your policy and ID card are delivered electronically.
Ready to See Your Rate?
Quote all three LifeSecure plans in one portal—takes about 2 minutes. No personal info required to view pricing.
LifeSecure is the trade name of LifeSecure Insurance Company, Brighton, MI. Plan availability, benefit amounts, and rates vary by state and applicant age. This page is a summary only—please review the official policy documents and Outline of Coverage from LifeSecure for complete benefits, limitations, exclusions, and waiting periods. Illinois Health Agents is an independent, licensed insurance agency.
Recent Comments