Coverage for Life’s “What Ifs”—Explained Clearly.
Life & Accident Insurance
Life doesn’t always go according to plan—but with the right insurance, you can protect your family, your income, and your peace of mind. At Flaxbeard Insurance Advisors, we help clients across Nebraska explore affordable life and accident insurance options that provide real support when it’s needed most.
Protection for the People Who Count on You
Why Life & Accident Coverage Matters
If something happens to you, having the right plan in place can ease the financial burden on your loved ones—or help you recover financially after an accident.
We help you find coverage that can:
- Provide income replacement
- Cover final expenses or debts
- Offer lump-sum benefits for accidental injury or death
- Supplement other health or disability coverage
Whether you're planning ahead or responding to a recent life change, we're here to walk you through your options with care.
Flexible Coverage for Different Needs
Plan Types & What to Expect
We help you compare:
- Term Life Insurance
– Affordable, fixed-coverage options for a set number of years
- Whole Life & Permanent Insurance
– Long-term protection that builds cash value
- Accidental Death & Dismemberment (AD&D)
– Targeted benefits for injury or loss due to accidents
- Supplemental Accident Plans – Additional support for out-of-pocket medical costs
We’ll break down the pros and cons of each and recommend options that fit your life, goals, and budget.
Tailored Plans for Every Stage of Life
Who This Coverage Helps Most
Life and accident insurance can be a smart choice if:
- You’re the primary income earner in your family
- You’re self-employed or without employer-sponsored benefits
- You want to protect loved ones from unexpected financial hardship
- You’re preparing for major milestones (marriage, kids, retirement)
We offer flexible plans with simple applications and no pressure.
Why Work With Us
Honest Advice. Real Peace of Mind.
Insurance can be a sensitive topic—we get that. That’s why we prioritize clarity, trust, and personal connection.
As independent advisors, we help you:
- Understand your options without overwhelm
- Compare pricing across multiple carriers
- Update or adjust your policy as your life changes
FAQ
How much life insurance do I need?
It depends on your income, debts, and long-term financial goals. We’ll help you run the numbers and choose a coverage amount that makes sense.
Is accident insurance the same as health insurance?
No. Accident insurance provides lump-sum payments to help cover costs from injuries, but it doesn’t replace full health coverage.
Can I get life insurance without a medical exam?
In many cases, yes. We offer simplified issue and guaranteed issue policies depending on your age and health.
What happens if my needs change later?
We’ll review your policy with you regularly and help you make updates as life evolves.