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Injury Care Accident Insurance

Get cash benefits for everyday injuries, big and small

Be prepared with a plan that pays you cash benefits

Even small accidents can be costly—and big bills can pile up on top of everyday expenses. Get cash benefits paid directly to you for everyday injuries like burns and breaks, as well as those requiring surgery and in-hospital treatment. Plus, collect an additional $1,000 for injuries related to organized sports—a valuable extra for you and your family. This plan is arranged by First Citizens and underwritten by Securian Life Insurance Company.

Guaranteed acceptance

There are no required medical exams or health questions.

Money to spend as you choose

Get paid directly in cash benefits for covered injuries on top of your insurance.

Full coverage for all ages

There's no benefit reduction due to age and no lifetime benefit maximum.

About Injury Care Accident Insurance
Be prepared with a plan that pays you cash

Accidents happen. With injury care accident insurance, you gain the flexibility of getting paid in one of four ways. Benefit amounts payable vary by injury type and severity.

  • Injury lump sum: Payable per injury up to $10,000 for damages like fractures, burns, broken teeth and eye injuries
  • Immediate care: Payable up to $1,200 for services like emergency room and doctor visits, X-rays and hospitalizations
  • Ongoing care: Payable up to $5,000 for things like surgery, skin grafts and prescriptions
  • Recovery care: Payable up to $1,000 for inpatient and outpatient therapies

Benefits of Injury Care Accident Insurance
Everyday coverage you can count on, wherever you are

Get guaranteed acceptance

There are no medical exams to take or health questions to answer when you enroll in injury care accident insurance.

Spend the funds however you want

Cash benefits are paid directly to you for covered injuries on top of your insurance.

Select a plan that fits your budget

Group rates can't be raised because of your age or the number of claims you submit.

Get an extra $1,000 organized-sport benefit

Get paid for covered sports injuries like sprains, tears, fractures and breaks.

Insurance products are not deposits or other obligations of, or guaranteed or insured by, First Citizens Bank or any of its affiliates, and are not insured by the Federal Deposit Insurance Corporation (FDIC) or any other agency of the United States.

Injury Care Accident Insurance FAQ
People often ask us

No. There's no termination age or age reduction for accident insurance, also known as injury care accident insurance.

Yes. Your spouse and dependents can be insured for 100% of the benefit amount, as well as by selecting the family plan.

No. There are no medical questions or physical exams required to qualify for accident insurance.

This type of insurance supplements your other coverage plans. Traditional health insurance pays for medical procedures, while accident insurance pays you a flat benefit amount that can be used for anything you choose.

Accident insurance pays in addition to hospital accident protection but can also cover accidental-injury expenses that don't require a hospital stay.

This is an accident-only policy and does not pay benefits for loss from sickness.

The plan administrator is Franklin Madison Group LLC. Insurance is underwritten by Securian Life Insurance Company.

Insurance products are not deposits or other obligations of, or guaranteed or insured by, First Citizens Bank or any of its affiliates, and are not insured by the Federal Deposit Insurance Corporation (FDIC) or any other agency of the United States.

Links to third-party websites may have a privacy policy different from First Citizens Bank and may provide less security than this website. First Citizens Bank and its affiliates are not responsible for the products, services, and content on any third-party website.

Third parties mentioned are not affiliated with First-Citizens Bank & Trust Company.

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