Trevor Garbers has a ringside seat on sales of voluntaryaccident coverage.

“Accident coverage is definitely in the top three voluntary products that employers request,”says Garbers, vice president at Chicago-based insurance company HUBInternational. “We are seeing double-digit growth, year over year,in both our voluntary accident sales and in the industry, and thatdoesn't look as if it's going to stop anytime soon.”

Jeff Culbertson, manager of product and market development atUnum in Chattanooga, Tenn., says his company's numbers agree withthat assessment. Unum launched its current accident product in2004. The company saw $11 million in sales in 2005, $60 million in2012, and $75 million in 2013.

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