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Accident Expense PlusTM: Tailor Your Budget
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Maria, 33, graphic designer
A broken leg won’t stop this leap into self-employment

Leaving the corporate world to start her own graphic design business was a big step for Maria. One of her biggest concerns was medical insurance – could she find affordable coverage?

Maria purchased a major medical plan with a low premium – but a $5,000 deductible. To help cover her high deductible and coinsurance costs, she supplemented the policy with an Accident Expense Plus plan. She opted for the $7,000 per calendar year accident benefit with a $250 deductible.

Three months later, Maria fell, breaking her leg in two places. Her injury required an emergency room visit, surgery to reset the bone, three months in a cast and six weeks of physical therapy. The medical bills could have derailed her business plans, but because Maria had an Accident Expense Plus policy, her only expense was the $250 deductible. Broken leg or not, Maria kept marching steadily toward her goals.

Not an actual case; presented for illustrative purposes only.

Important Note: All benefits payable are subject to the terms and conditions of the policy, including benefit durations, limitations and exclusions. Not all benefits and exclusions are covered in every state. Please consult the policy form and outline of coverage for details.

Comprehensive medical coverage may be required in some states in order to apply for or maintain this policy.  

Policy issued by: American General Life Insurance Company
2727-A Allen Parkway, Houston, TX 77019

Accident Expense Plus Policy Form Number 07120
Critical Illness Rider Form Number 07121

The underwriting risks, financial and contractual obligations and support functions associated with products issued by American General Life Insurance Company (AGL) are its responsibility. American General Life Companies,, is the marketing name for the insurance companies and affiliates comprising the domestic life operations of American International Group, Inc., including American General Life Insurance Company. AGL does not solicit business in the state of New York. Policies and riders not available in all states.