Drivers 2 - Prepare Insurance
Home Critical Illness Insurance Guide How It Works Why Prepare Blog Get Quote
Truck accident

Attention Drivers 

Protect Your Hard Earned Income If You’re Injured

Prepare Insurance is offering up to $350,000 of Accidental Death coverage with $3,000 a month for 2 years if you get hurt and can’t work. We also include up to $25,000 if you are hospitalized and need surgery. Starting at $47 a month.¹

Call 402-454-7433 today to get covered in minutes with no medical exam. 

Get Your Free Quote Today

Disclosures & Reference

This policy may contain reductions of benefits, limitations and exclusions. For costs and complete details of the coverage, please contact your insurance representative to review the policy for more information. The state specific policy form is the ultimate authority for any questions about this product.

1Base Policy provides a $250,000 death benefit + $1,500 accidental disability Income benefit, based on a 45-year-old male earning $48,000 annually, total monthly premium $46.95

Policy Form Nos. I H2004, I H2011 and L T02-E and Rider Form Nos. R I 2005 and R I0827-W underwritten by Assurity Life Insurance Company, Lincoln, Nebraska. Policy Form No. I H1513 NY and Rider Form No. R I 1514 NY underwritten by Assurity Life Insurance Company of New York, Albany, New York

Stay Prepared

Subscribe to the Prepare Newsletter


  • Critical Illness Insurance 101 Guide
  • Blog
  • Why Prepare
  • FAQ
  • Privacy
  • Terms
  • Insurance Licenses
1516 1st Avenue
Kearney, NE 68847
(402) 454-7433
hello@prepareinsure.com



© 2025 Prepare Insurance

Prepare Insurance LLC does business as Prepare Insurance Solutions in California (CA License #6001570)
NOT AVAILABLE IN NEW YORK.
CRITICAL ILLNESS INSURANCE PROVIDES LIMITED BENEFIT COVERAGE. It is not a comprehensive major medical plan or Medicare supplement policy and does not satisfy the requirement for minimum essential coverage under the Affordable Care Act (ACA). The description of benefits is intended only to highlight the insured’s benefits and should not be relied upon to fully determine coverage. If this description conflicts in any way with the terms of the policy, the terms of the policy prevail. This policy may contain reductions of benefits, limitations and exclusions. Availability of this product, final underwriting requirements, benefits and cost will depend on your application.

Policy Form No. I H1820 underwritten by Assurity Life Insurance Company, Lincoln, NE.

Assurity is a marketing name for the mutual holding company Assurity Group, Inc. and its subsidiaries. Those subsidiaries include but are not limited to: Assurity Life Insurance Company and Assurity Life Insurance Company of New York. Insurance products and services are offered by Assurity Life Insurance Company in all states except New York. In New York, insurance products and services are offered by Assurity Life Insurance Company of New York, Albany, NY. Product availability, features and rates may vary by state.

Conditions, Limitations and Exclusions
The following limitations and exclusions apply to the policy as approved in most states. Limitations and exclusions may vary by state. For a list of all limitations and exclusions, refer to the actual policy.

Pre-existing Condition – Assurity will not pay benefits for a critical illness that is caused by a pre-existing condition unless the date of diagnosis is after this policy has been in force for 12 months from the issue date or last reinstatement date.

Reduced Benefit After Age 70 – On the policy anniversary immediately following the later of the insured’s 70th birthday, or three years from the policy’s issue date, the policy benefit amount will be automatically reduced by 50 percent. This will be the benefit amount available for the remaining years the policy is in force.

Exclusions – Assurity will not pay benefits for conditions that are caused by or are the result of the insured person: being exposed to war or any act of war, declared or undeclared; actively serving in any of the armed forces or units auxiliary thereto, including the National Guard or Army Reserve, except during active duty training of less than 60 days; engaging in hang-gliding, hot air ballooning, bungee jumping, parachuting, scuba diving, sail gliding, motor vehicle racing, parasailing, parakiting, mountain or rock climbing, B.A.S.E. jumping, sky diving or cave diving; being addicted to drugs or suffering from alcoholism; being intoxicated (as determined by the laws governing the operation of motor vehicles in the jurisdiction where loss occurs) or under the influence of an illegal substance or a narcotic (except for narcotics used as prescribed to the insured person by a physician); committing or attempting to commit a felony; being incarcerated in a penal institution or government detention facility; engaging in an illegal occupation; intentionally self-inflicting an injury; or committing or attempting to commit suicide, while sane or insane.