life insurance/accident insurance

ever since i bought my house ive been getting things in the mail about life insurance and i think one of them offered accident insurance ..where my job is physical and i go to the gym a lot(gunna blow somethin out someday i figure) and i do stupid things like dirtbikes..etc....i was thinkin maybe it would be a good idea ..anyone have any input or experience with these things...good companies vs scams....can i buy a policy that will cover me if i hurt myself doin something stupid outside of work?thanks for any info....i know its pretty wierd to ask a question like this on an offshore powerboat board...but i know there is a lot of knowledge/experience floatin around here....

[THRILLSEEKER]

Buy a life insurance/retirement policy, I have one. The money that you pay in vs. the money that you draw after a certain age is huge

[Griff]

Too Slow, I know a few people with the "accident " ins policies and know a guy that sells them. Most people I know that have the policies play a lot of sports or do things that would cause them to have a high probablity of getting injured. The policies they have are pretty straight forward. Basically if you injure yourself, you get $__??__ amount depending on the what type of injury you have. Getting stiches is like $100-$150, broken bones are like $300-$1500. Its all cash in your pocket.
Getting a policy will probably depend on your individual needs.

[Ron P]

Most people loose everything becuase of an accident or illness that wont allow them to work. This is called Disability insurance. If your permenently disabled, you get a monthly check.

How much is enough and for what? Accident insurance only pays if you get killed in an accident.

I have Term life and disablity. Enough to take care of my wife if I die and enough monthly from disablity ins to pay the bills and more.