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Accident & Disability Insurance

Discover the best plans for you and your family today!

Discover peace of mind with tailored Accident and Disability insurance solutions from Lake Point Insurance. Our dedicated team specializes in guiding you towards the right coverage to protect your financial future. With a commitment to personalized service and expertise in navigating insurance options, we ensure you receive the support needed to safeguard against unexpected medical expenses or income loss due to disability. Trust Lake Point Insurance for reliable coverage that meets your unique needs and provides reassurance in challenging times.

Leg Injury

Why get accident or disability insurance?

Accident and disability insurance provides critical financial protection against unforeseen events that could result in injury or disability. It ensures that you and your family are financially secure if you are unable to work due to an accident or illness. This type of insurance can cover medical expenses, ongoing care costs, and replace lost income, offering peace of mind and stability during challenging times.

To be prepared

Accident insurance focuses on providing financial support specifically for injuries resulting from accidents. It covers expenses such as emergency room visits, hospital stays, surgeries, and follow-up care needed after an accident. By having accident insurance, individuals can avoid unexpected medical bills and maintain financial stability while recovering from injuries.

In case you're unable to work.

Disability insurance, on the other hand, provides income replacement if the insured becomes unable to work due to a disability, whether from an accident or illness. Disability insurance aims to replace a portion of the insured's income lost due to the disability, helping them maintain financial stability during their inability to work.

Melissa C.

Dan knows his stuff! My daughter needed insurance and he was so knowledgeable and amazing to work with! Give him a call! You won’t be disappointed!

Shianne R.

Lake Point Insurance is by far the very best!!! Hands down!!! I have had nothing but a 5 star experience from them. They are very responsive and respectful. They truly want what is going to be best for their customers and their customer’s dependents. You will leave this experience feeling like family not just a customer to them.

LouAnn H.

I highly recommend Lake Point insurance, Dan is great to work with and very knowledgeable I was amazed at how much money we saved by using his expertise about insurance.

What is the difference?

Accident vs. Disability

Accident insurance is designed to cover immediate expenses associated with injuries resulting from accidents, such as medical treatments and hospital stays. It offers benefits directly related to the accident itself, including lump-sum payments for specific injuries.

On the other hand, disability insurance focuses on income replacement if the insured is unable to work due to a disability caused by an accident, illness, or injury. It ensures financial stability by providing ongoing payments to cover living expenses, especially crucial when the individual cannot earn an income.

Accident insurance addresses the immediate costs of accidents, while disability insurance safeguards against the financial impact of long-term disability and loss of income.

Hospital Corridor

Why should I get an accident plan if I have a health plan?

Supplemental Coverage: Accident plans can provide additional financial protection by covering out-of-pocket costs related to accidents that may not be fully covered by a health plan. This includes deductibles, copayments, and non-medical expenses like transportation to medical facilities.


No Deductibles or Copays: Accident plans often offer benefits without deductibles or copayments, providing immediate financial support for accident-related expenses.


Focused Coverage: While health plans cover a broad range of health care needs, accident plans specifically focus on injuries and events resulting from accidents, ensuring more targeted coverage for unexpected incidents.

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