All about the Participant Accident Insurance For Athletics and Activities

A lot of minor or severe injuries may happen on the field, be it an event, a camp, a play or a sport. If a participant is insured, he will definitely perform better owing to the insurance protection bought for him / her. The sponsors or hosts of events or activities i.e; sports or athletic can ensure their participants or team members.


The Mutual of Omaha understands this factor and caters to this need by the provision of Participant Accident Insurance available as readymade shelf forms and can be tailored made as per requirements. This business house is an entrusted leader in the market for the Participant Insurance for Athletics and Activities by numerous sports organizations, recreation teams or educational institutions.

Don’t forget your Medicare Supplement insurance.  Find rates here

The two types of plans available under this policy are:


1) Basic Participant Accident Insurance Policy: This plan covers medical expenses upon an accident and optional Accidental Death and a specific loss coverage for participants of a variety of sponsored activities. The benefit amount ranges from a minimum of $5000 with a one year benefit period.

2) Catastrophic Participant Accident Insurance Policy: Extensive blanket coverage is provided to the groups during sponsored and supervised events or activities. The benefit ranges from a minimum of $1,000,000 to maximum of $5,000,000 with a 10 year or a lifetime benefit period depending upon the tenure of policy purchased for.


The eligible participants of basic Participant Accident Insurance policy are:

1) Associations or Organizations

2) Schools

3) Camps

4) Team or league Sports

5) Intercollegiate sports

6) Child Care Centers


The eligible Participants of catastrophic Participant Accident Insurance policy are:


1) Youth Sports

2) State High School Associations

3) National Governing Bodies

4) Intercollegiate Sports

5)  Schools(k-12)

6) Camps


This employer-based plan is underwritten by the Mutual of Omaha Insurance Company. The team stationed at their home office enriches the experience of clients or claimants covering all aspects including sales, underwriting, claims, premiums and other areas where customers need support. If a client has a certain unique problem to be resolved, their integrated team of a full-time service provider Contracting Consultant. The dedicated team not only ensures a satisfactory solution to the given problem of customers but also get claim discounts negotiated through accessible service provider networks.


How To Make Your Family Financially Secure

When you have a family, whether just you or your spouse or with children, one of your main priorities is to keep them secure. Many people consider protecting their family physically. They often forget that financial security is of equal importance. You must have taught your children to look both sides before crossing the road, constantly reminding them never to accept anything from a stranger and always to wash hands before eating. But have you taken enough steps to ensure the financial security of your family?

Here are a few ways to ensure your family is financially secure.

Understand what financial security means to YOU. Financial security means different to different people. You’d want your loved ones to be financially OK. Does it include having a roof on head? Enough money for your spouse to switch to a job if they are a stay- at -home parent. To provide for the college fees or maybe a portion of it. Once you straighten this out, you can move further to make a plan ahead.

Determine needs versus wants. There is a huge difference between needs and wants. Keep your wants in check. Also as much as we want to keep our family secure, there is no 100% way of security. Gather proper information and get help if you need it. There are insurance agents to provide some really useful information.

Execute and maintain a family budget. As a family grows the family budget starts to vary. A budget can provide a means to save money for a variety of occasions, as well as help to prioritize what is most important in financial terms. This may become a little hard. There are financial counselling programs for this.

Opt for a Medicare Supplement Plans 2018 that suits you. Life is so unpredictable. There are moments which can come when you are least expecting them. Planning ahead with supplemental plans can help you to stay prepared for moments when you need to cope with medical costs and unexpected expenses. You can choose from a wide variety of plans, coverage, benefits so that your family is financially secure.

Get out of debt. The last thing you want is your loved ones to go through is clearing your debts. The debt collectors can cause a lot of mental disturbance to the family. The best you can do is provide them a debt free life.

Disability insurance. Now think about this. If you are the sole bread earning of the family and you face a disability. It can bring a major setback to your financial security. Opt for Disability Insurance. It offers income protection to individuals who become disabled for a long period of time and are not in a position to work and earn a living.

Take care of yourself. Your health and financial security are just as much important as that of the family you are taking care of. Never neglect your health and happiness while looking after your dear ones.

No matter how old are you, it is always a good time to start planning for your future. Prioritize things. Start with a plan and put it in action. Give your family a financial security they deserve.