Accident insurance, instant underwriting
Simplified-issue accidental death and dismemberment coverage, bound in under a minute. No medical exam, no paramed visit. Issued as individual policies or group certificates on filed carrier paper.
- Accidental death$250,000
- Loss of limb or sight$125,000+
- Common carrier2× principal
- Seat-belt benefit$10,000
- Airbag benefit$5,000
- Education benefit$5k/yr · 4 yrs
- Child care benefit$3k/yr · 5 yrs
- Felonious assault+25%
AD&D programs, filed in every state and DC
Two carriers on the shelf: our two AD&D carrier partners. Between them, Sure's AD&D platform writes in all 50 states plus the District of Columbia. Same filed rate tables in the rater, the policy, and the regulator's file.
Jurisdictions with a live, filed AD&D program on Sure today. Coverage in all 51 states (50 plus DC).
What a Sure AD&D policyactually covers actually covers
Standard benefit limits shown. Every line is configurable at the program level. Raise the principal, add a rider, tune the beneficiary rules. Sure re-rates and refiles. Premiums shown in the consumer preview are illustrative, not a quote.
Principal sum, core benefits
Core- Accidental deathPrincipal sum to beneficiary$250k
- Loss of limb or sight50% to 100% of principal$125k+
- ParalysisQuadriplegia, paraplegia, hemiplegiaTiered
- Common carrierFare-paying passenger2× principal
- Seat-belt benefitIf buckled at event$10k
- Airbag benefitIf deployed properly$5k
Riders
Optional- EducationDependent tuition$5k/yr for 4 years
- Child careSurviving dependent$3k/yr for 5 years
- Spousal trainingRe-entry to workforce$5k once
- RepatriationRemains transport$7.5k
- Felonious assaultBonus for violent crime+25%
- OccupationalOn-the-job gig workEnhanced
Coverages, rates, and limits vary by state.
What the policyholder lives in
An AD&D member shouldn't have to call a 1-800 number after a fall. Beneficiary updates and accident claims happen inside the same app the device already lives in, powered by Sure.
Self-service that your team doesn'thave to staff have to staff
Members update beneficiaries when life events happen, file accident claims with optional device-data attached, and pull certificates of coverage without leaving the partner's app. Claims AI triages in the background.
- Beneficiary updates in two taps, no agent call required
- Accident and disability claims routed straight to Claims AI
- Mid-term coverage tier changes without rebuilding the quote
- Service handoffs to live agents stay inside the partner's brand
Active- Download policy documentsCertificate of coverage, beneficiary designation, disability schedule
- Update policyCoverage amount, beneficiary, work category
- View payment detailsCard on file, billing history, autopay
- File a claimAccident, disability, dismemberment, dependent claim
Launch an accident insurance program,filed and writing in weeks filed and writing in weeks
Learn more about how your accident insurance program can go live in weeks, not months.Built for brands and carriers ready to ship. Built for brands and carriers ready to ship.