Accident Plans



  • On average, there are 15 accidental deaths and 4,440 disabling injuries
    every hour.
  • Each year, more than 1 in 8 people seek medical attention from an injury.
    • 39.4 million people are treated in hospital emergency rooms
    • There are 116.8 million visits to emergency departments
    • About 34% of all emergency room visits are injury related
  • The average economic impact of an accident is $5,900 per household.
  • Injuries off the job continue to be significant.
    • 9 out of 10 accidental deaths occur off the job
    • Nearly three-fourths of disabling injuries to workers occur off the job
  • Accidents are the leading cause of death among persons up to age 42.
  • Accidents are the fifth leading cause of death overall.


  • Your benefits BEGIN IMMEDIATELY on your effective date.
  • Your benefits are paid DIRECTLY TO YOU, unless you or the law requires otherwise.
  • Your benefits are paid IN ADDITION to any other insurance you have.
  • Your coverage is GUARANTEED RENEWABLE for life—only you can cancel.
  • Your benefits are NEVER REDUCED.
  • Your premium DOES NOT INCREASE with age.
  • You CANNOT BE SINGLED OUT for a rate increase. Your rates can only be
    increased if they are increased for all plans of this kind in your state.
  • You receive the stability of a Family Heritage Policy. Family Heritage has NEVER
    RAISED A RATE on an existing policy.

Helping you provide protection for you and your family.


  • Testimonials

    We never expected to have my wife diagnosed with breast cancer at the young age of 32. It literally rocked our world. We are so thankful we had our policy that took care of all the unexpected expenses. Best of all, the money was paid directly to us!
    - Moore
    Working with Pinnacle has allowed me to earn a great income, enjoy what I do, make a difference in the lives of others and live a life with freedom and flexibility!
    - Moore
    Pinnacle Brokerage Firm is a leading provider of supplemental benefit plans to small to mid-sized businesses as well as individual families, insuring hundreds of thousands of people across the United States.
    - Johny