(BPT) - Winter can be a joyous season - full of sledding, skating, skiing and all the other fun and exciting activities that come along with it. But it can also be a season of accidents, and they can happen to anyone, including you, your partner, and especially active kids.

Last year's report from the U.S. Consumer Product Safety Commission found that activities like skiing, snowboarding, ice hockey, ice skating and sledding caused almost 125,000 visits to the emergency room in one winter alone. Approximately 4,700 snow blower-related injuries were also treated in the ER, and that doesn't even include all the injuries caused by simply slipping and falling on winter ice.

If an accident happens, are you protected?

Being ready for the unexpected may mean a lot of things, but having access to sufficient financial resources is potentially the most crucial factor of all. Did you know that to help safeguard you and your family when the unexpected occurs, accident insurance can pay you cash benefits, giving you peace of mind in the event of a covered accident?

For example, Boston Mutual Life's accident insurance is built to help protect you and your family from the unexpected. When a covered accident occurs, such as a broken bone or a concussion, your health insurance plan may cover most of your major expenses, but you could still be left with additional out-of-pocket costs. That may be an opportunity where accident coverage can help cover those additional costs.

How accident insurance works

Thanks to an accident insurance plan, you can get coverage for yourself as well as your spouse and your children (under age 26). In the event of an accident, you'll have access to an easy claims process, and you'll receive cash benefits paid directly to you.

What benefits are provided by accident insurance?

While your health insurance may cover some or many of your medical bills, depending on your specific plan's coverage, it probably won't cover everything. This is where accident insurance can make a big difference. It can help cover additional things like ambulance rides, emergency room visits, physical therapy, emergency dental work, and more.

Accidents can happen anywhere, at any time

Life can be full of surprises, and unfortunately not all of them are happy surprises. But being prepared - even for the worst - means that you and your family will have better peace of mind should the unexpected occur.

You can find more information about insurance options to provide peace of mind for you and your family by visiting BostonMutual.com.

335-5215 11/24

Policy Series WPS-ACC 07/15