Accidents happen. Are you prepared?

The National Safety Council (NSC) estimates that the entire population of a small city-105,000-will die this year from accidents that you can neither foresee nor prevent. Every five minutes, the NSC says, an American dies in a motor vehicle accident, or common household mishap such as a fall, poisoning, choking or drowning. If that weren't sobering enough, the NSC counted more than 24 million nonfatal injuries-the population of the eight largest U.S. cities combined!-in 2005, the last year for which it has compiled data.

All this means that if you haven't prepared, your loved ones could be facing severe financial distress if you were to die in an accident. And if you were in an accident and survived, would you be able to pay for your new lifestyle circumstances? The answer is YES, with Personal Accident Insurance.

Insurance That Pays You

Because you never know when or where an accident is going to happen, Personal Accident Insurance provides around-the-clock, around-the-world protection, whether you're on or off the job. It offers insurance benefits if you, your covered spouse, or children are killed in an accident covered by the program, and accidental injury benefits if you or your covered family members are seriously injured in an accident covered by the program.

Personal Accident Insurance provides useful coverage at a cost that's affordable to you. If you die as the result of a covered injury or covered accident, the benefits can help pay the mortgage and pay for your children's college. If you are injured in a covered accident, this insurance can help pay for new living circumstances.

What You Get From Personal Accident Insurance

• Large coverage, small price. $4 a month gains you $150,000 of protection. For an additional $4 a month, you can obtain $150,000 of coverage for your spouse. You could even purchase as much as $500,000 worth of coverage.
• Cash for you. Personal Accident Insurance pays you benefits if you are injured in a covered accident, not just death benefits.
• Protection on or off the job. Personal Accident Insurance pays whether the covered accident is work-related or not, anywhere in the world.
• Protection if you change jobs. If you leave PersonalPlans Advisor or the policy is canceled, you can continue your benefits by converting to an individual plan. (Costs may change).