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Discover the advantages of insuring with James Insurance Consultants. Learn more.

Accident Insurance

An accident takes place nearly every second in the United States. These accidents often happen in the course of recreational activities, and it's not unusual for children to be involved. Furthermore, even though you may be perfectly healthy at the moment, you never know when you might fall ill. Finding a policy after the fact invariably becomes a costly proposition.


A comprehensive accident insurance policy provides you with financial protection from the unfortunate consequences of an accident or illness. There are many things to consider in choosing the right policy for you — speak to our experts about the details.


You’re cleaning out the gutters. You know you have to be careful this high up, but somehow you missed one of the steps on the ladder and now you’re in the emergency room with a broken arm. The doctor asks if you have insurance. You do, but you wonder how much your plan will pay for medical costs.The doctor asks if you have accident insurance. You do. Now instead of worrying about what your plan pays, you can focus on getting better. With accident insurance, you don’t worry about covering unexpected medical costs because your supplemental insurance will help fill in the gaps of your health plan coverage.

What is Accident insurance?

Accident insurance pays benefits when you’re injured. The plans we offer can help pay for expenses that your health plan may not fully cover.

Plans include:

  • Access to any doctor or hospital — no network restrictions
  • No waiting period to use your benefits
  • No overall annual or lifetime limit — no matter how many accidents you have

Is Accident insurance right for me?

  • Simple plan options help you meet your needs and budget
  • For adults through age 64 and a great solution for families1
  • Cost doesn’t increase with age or the number of covered children
  • Easy to apply — just a few basic questions — no medical exam


Accident insurance not available in all states.
1Get a quote to see plan details regarding renewability provisions for specific Accident insurance plans.

Critical Illness Insurance

The American Association for Critical Illness Insurance is the nation's leading source for information on critical illness protection.

Information for Consumers: You can read all about critical illness insurance in the nation's #1 Consumer Information Center.  Get the facts.  See what insurance costs.  Request a free, no-obligation quote from the Association's designated experts.

Today 4,000 American men and women will hear the life changing words "you have cancer."  Today, 2,100 people just like you will have a heart attack.   Today, almost 2,000 people will have a stroke and be rushed to the hospital.

Today  thousands of lives will change.  Thousands more will change tomorrow ... and the day after ... and the day after that.


Costly illnesses trigger about half of all personal bankruptcies, and most of those who go bankrupt because of medical problems have health insurance, according to a Harvard University study.   Even if you have great insurance, you will have to pay insurance deductibles and co-pays.   You'll pay for care, medications and alternative treatments that are not covered.   Your paycheck will stop or be reduced.  You'll still need to pay the rent, the mortgage and everyday expenses.  If you are self-employed or own a business, the financial toll can be devastating to everything you worked to create.


Today  you can find out more about an affordable way to receive a lump-sum cash benefit upon the diagnosis of a critical illness or condition.   Critical illness insurance pays a cash benefit even if you make a full recovery. The first critical illness insurance policy was sold in the U.S. in 1996 and today approximately 1 million Americans have this protection. 

Today  is a good day to get the information you need to protect tomorrow.  Click on the Request A Free Quote button - to hear from a designated Association specialist.

Disability Insurance

Foreign Travel Medical Insurance

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