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....

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

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.

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.