Acci-Flex Accidental Death Review – Assurity

We’re going to cover the Acci-Flex Accidental Death Insurance policy from Assurity Life Insurance Company. In our continuing effort to keep up-to-date accidental death policy reviews, this is slowly being replaced by the new Accidental Death Insurance Plus policy, which will be able to accept applications through Assurity’s website.

This policy is still available in certain states where the new policy is not yet available. 

We’ll cover the policy provisions, riders, and Assurity’s financial strength. 

Quick Summary

The Acci-flex plan is a simple accidental death policy available in all Oregon, New Mexico, New Hampshire, Massachusetts, and Maine, with a separate New York only policy under the same name.

If you live in another state, then please see our post on the new Assurity Accidental Death Insurance Plus policy. You can also view rates and apply online for this new policy by clicking here.

It offers a lump sum payment for deaths resulting within 180 days from a covered accident and allows customization with various optional riders. An accidental death policy typically has lower rates than a life insurance policy because it only covers accidents.

What Does an Accidental Death Policy Cover?

Accidental death policies are simple. They pay out a benefit if someone passes away from an accident. Common examples are car crashes or drowning. 

It’s an opportunity to protect against the leading cause of death for young people without the extra cost of traditional life insurance. Usually, people seeking accidental death policies work hard to balance living costs, raising a family, and insurance – so any discount helps. 

Accidental death policies tend to have exclusions like: 

  • Attempting to commit a felony
  • Suicide
  • War
  • Hazardous hobbies
  • Drunk driving

These exclusions (and we’ll get into the specific ones for this policy later on) are just circumstances in which the company will not deliver the benefit if they are the cause of death. Accidental death also doesn’t cover death resulting from natural causes like an illness.

Acci-Flex Accidental Death Insurance Review

The big selling point is the application process, which only involves an e-application. Digital applications allow Assurity to underwrite and issue the offer in less than a day. The application does not involve a medical exam, like most accidental death policies.

Acci-flex accidental death review

Both of those are remarkable turnaround times for an insurance company. 

Acci-Flex Accidental Death – Policy Details

Here are the quick details. 

Anyone between the ages of 18 and 60 can apply. It’s often difficult to find quick turnaround policies for anyone over 50 – another advantage here. 

The benefit amounts start at $50,000 and cap out at $350,000. 

There aren’t any health classes for accidental death insurance. The only variables determining your premium payments are the amount of coverage, biological sex, and age. 

It is available in OR, NM, ME, NH, MA, and NY. See the next section if you live in New York state. 

Policy exclusions include: 

  • Engaging in or attempting to commit a felony
  • Engaging in an illegal occupation
  • Intentionally causing a self-inflicted injury
  • Committing or attempting to commit suicide, whether sane or insane
  • Involvement in any period of armed conflict, whether declared or not
  • Using drugs or alcohol except for prescribed drugs taken as prescribed
  • Piloting a non-commercial aircraft outside of established air routes in the U.S. or Canada
  • Involvement in motor vehicles or boat racing, hang gliding, skydiving, mountain or rock climbing, underwater diving and pro sports
  • Traveling outside of the U.S. or Canada for more than 14 days
  • Operating a motor vehicle while under the influence of alcohol or drugs

New York Variations

The New York version has the same policy structure, benefits, and issue ages. Instead, the policy also comes with an Accidental Only Disability Income Rider. The rider is available for an additional premium in all other states. 

The exclusions on the policy are slightly different from the ones above. Watch the wording. 

  • War or any act of war, declared or undeclared
  • Service in the armed forces or unit auxiliary thereto
  • Intentionally self-inflicting an injury
  • Committing or attempting to commit a felony
  • Engaging in an illegal occupation
  • Committing or attempting to commit suicide
  • Being intoxicated or under the influence of any narcotic unless administered on the advice of a physician
  • Participating in any type of aviation other than as a fare-paying passenger on a scheduled charter flight operated by a scheduled airline
  • Participating in skydiving, parachuting, or as a professional in sports or athletics
  • While outside of the United States, its possessions or the countries of Mexico or Canada

If you really want to nerd out, spend a moment considering the implications of the exclusion differences in the states. 

New York also has a two-day turnaround on e-applications, rather than the single day for other states. 


The Acci-flex Plan has limited coverage options for customization. You can choose to add the Accident Only Disability Income Rider.

Assurity disability income rider

It’s a disability insurance rider where Assurity will pay you a monthly income benefit should you qualify for a total disability as the result of a covered accident. A covered accident means an accident that isn’t one of the exclusions listed in the policy section above. 

The only difference is a slight wording change to the aircraft piloting exclusion. For the disability policy, the language reads, “Flying for pay” an aircraft outside of established air routes in the U.S. can Canada. 

How to Apply

You can still apply for this policy by talking to an insurance agent. You can get quotes beforehand for this and other accidental death plans by using the instant quotes tool on the right (top if you’re on mobile.) Give us a call at (858) 703-6178 with any questions.

Assurity is replacing the Acci-Flex plan with its Accidental Death Insurance Plus policy. (We’ll put the link up once the platform goes live.) It’s a similar policy, with the notable difference being a few more exclusions. 

Is Assurity a Good Company?

Assurity is known for having more affordable rates than many of its competitors. 

They’re a mutual insurance company, which means every policyholder has a stake in the business. Finance-wise, it also means they generally pay dividends to policyholders. Assurity offers a variety of insurance products, including critical illness insurance, disability insurance, universal life insurance, whole life policies, and term life.

The company became a Certified B Corporation in 2015. The distinction comes from an independent organization that looks at a company’s transparency, sustainability, and environmental responsibility. 

A.M. Best gives them an A- in financial stability. (Ideally, you only purchase insurance from companies with A- ratings or better.) The Better Business Bureau gives them an A+ rating and accreditation

Overall, Assurity has been in business for 131 years (established 1890), which is promising for its future ability to meet financial obligations. 

Frequently Asked Questions

Is Supplemental AD&D Worth It?

Supplemental accidental death and dismemberment policies can help families where the death is unexpected. Accidents tend to be surprises, whereas other diseases like cancer gives someone a little time to get their affairs in order. 

Stacking a supplemental AD&D policy on top of your regular life insurance can bring extra peace of mind to families. 

However, as someone’s age increases, the leading cause of death changes from accidents to things like cancer or heart disease. Depending on age, it may be wiser to increase the life insurance benefit rather than getting a supplemental policy. 

However, the decision comes down to what makes sense for affordability. If increasing traditional life insurance is too costly – health or age reasons – an AD policy can provide an affordable way to get additional benefits. 

How is accidental death different from accidental death and dismemberment insurance? 

Accidental death and dismemberment (AD&D) adds another way to add benefits to an accidental death plan. If you lose two limbs, hearing in both ears, or sight in both eyes, the policy will pay a percentage of the benefits

What is the difference between accidental death and life insurance? 

Accidental death only covers accidents (or dismemberment in the case of accidental death and dismemberment policies). Life insurance policies cover death for any reason, barring exclusions listed in the policy. For example, life insurance would pay out in the event of a heart attack, whereas accidental death would not. There are also many types of life insurance policies aimed at covering a variety of situational needs. Accidental death policies have less flexibility.

Can I buy more than one accidental death insurance policy?

Yes, you can purchase multiple policies from different companies if one is not enough protection.

What is the purpose of accidental death insurance? 

Many people use accidental death insurance as a backup plan to provide some financial security when their existing life insurance coverage is insufficient or unattainable due to pre-existing health conditions or costs. 

How Abrams Insurance Solutions Can Help

We work with over 70 of the top life insurance companies, many of which also provide accidental death or accidental death and dismemberment policies.

Accidental death insurance rates are set by each company. Therefore, you will find the lowest rates for each policy by working with an independent life insurance agent, like us. View instant quotes by using the Accidental Death Insurance Quotes form on this page.

If you aren’t sure what type of policy is the best way to cover your specific needs, give us a call at (858) 703-6178. We’re happy to help.