Browse: Home / Civilian War Zone Coverage
By Ed Hinerman on December 26, 2012
I took a call this morning that popped up a question for civilian contractors and workers in war zones that I had honestly not considered. The call was from a widow whose husband worked for a US company in Afghanistan and died while working there about six months ago as the result of an act ...read more
Posted in accidental death, civilian contractors, Civilian War Zone Coverage, contestability period, dangerous occupation life insurance, death benefit, group life insurance, insurance, life insurance, Lloyds of London | Tagged added life insurance on company website, agent disclosure of exclusion, agent responsibility, company responsibility to disclose exclusion, confounding, exclude war zone life insurance, group benefits, group life insurance, group not covered in Afghanistan, group wouldn't cover death in Afghanistan, human, insurance, life insurance, not covered in war zone, tragic, war zone life insurance
By Ed Hinerman on December 11, 2012
I know that far too many civilian contractors in war zones ended up there, whether Iraq or Afghanistan of Libya, without time or adequate planning to put the life insurance they might need in force. I can see myself rushing to get all the t’s crossed and i’s dotted and ending up at some forward ...read more
Posted in accidental death, approval, civilian contractors, Civilian War Zone Coverage, dangerous occupation life insurance, disability, hazardous activities, High Limit AD and D, insurance, life insurance, life insurance approval | Tagged 10 times annual income, accidental death, accidental death and dismemberment, accidental permanent total disability, Afghanistan, application and payment 10 minutes, application by email, civilian contractors in war zones, in force policy in a few hours, insurance, Iraq, Libya, life insurance, life insurance immediately, pay by bank EFT, pay by credit card, war and terrorism endorsement, war zone life insurance
By Ed Hinerman on December 7, 2012
There are some downsides to being raised in a place and by parents that molded me into a trusting person. Several months ago I was approached by two guys who wanted me to partner with them and process all of the business from their Afghanistan website for civilian contractors doing work there. Since this was ...read more
Posted in accelerated death benefit, civilian contractors, Civilian War Zone Coverage, dangerous occupation life insurance, High Limit AD and D, insurance, life insurance | Tagged AD&D policies in Afghanistan, ADD, civlian contractors in Afghanistan, contractors in Afghanistan, contractors in Iraq, contractors in war zones, insurance, life insurance, quote requests, war zone
By Ed Hinerman on November 2, 2012
I’ve brought this up in the past in response to a very real need with missionaries. Traditional life insurance isn’t horribly friendly to folks doing mission work outside of the country, a knee jerk reaction to the fact that there are some places in the world where mission work can be dangerous. Through Lloyds of ...read more
Posted in accidental death, business life insurance, buy/sell life insurance, civilian contractors, Civilian War Zone Coverage, foreign nationals, High Limit AD and D, insurance, International Business insurance, life insurance | Tagged accidental death, accidental death and dismemberment, accidental disability, business life insurance, buy/sell insurance, foreign nationals, high limit insurance, insurance, international business life insurance, international life insurance, key person life insurance, life insurance, missionary life insurance, multi national coverage
By Ed Hinerman on April 2, 2012
It occurred to me as I was writing insurance on a civilian contractor working at a forward operating base in Afghanistan a few weeks ago that, that there must be others just like them. There must be other groups of people who could benefit from affordable dangerous occupation accidental death insurance but are having a ...read more
Posted in accidental death, civilian contractors, Civilian War Zone Coverage, commercial fisherman life insurance, dangerous occupation life insurance, insurance, life insurance, Lloyds of London | Tagged Alaska Crab Coalition, attract best crew, civilian contractors in war zones, commercial fisherman life insurance, commercial fishing, commercial fishing great opportunity, crabbing Alaska, dangerous job accidental death insurance, Deadliest Catch, Governor of Alaska, insurance groups, insurance life insurance, Lloyds of London, lobster fishing, long line fishing swordfish, long line fishing tuna, most dangeous job in US, what happens if they don't make it home, worlds most dangerous job
By Ed Hinerman on March 19, 2012
With the amount of business rolling in for people working in AFghanistan and Iraq as civilian contractors it seemed an appropriate time to take a look at some of the other worldwide dangerous occupations where people are not going to find off the shelf accidental death and disability insurance. Most of the contractors that are ...read more
Posted in accidental death, civilian contractors, Civilian War Zone Coverage, foreign travel, insurance, insurance quotes, life insurance | Tagged accidental death, accidental disability, Afghanistan civilian contractors, aren't getting traditional coverage, celebrities who need insurance, crab fishermen, fishermen, gator hunters, ice road truckers, insurance, Iraq civilian contractors, life inxurance, lobster fisherment, loggers, most dangerous job in the world, mountain climbing, mountain climbing guides, one to two year contracts, reptile catchers, subsantially less in groups, war zones
By Ed Hinerman on February 17, 2012
I know there are agents that giggle all the way to the bank when they get an opportunity to sell a new policy and replace someone’s existing insurance, even though the existing insurance is still good for the client. I’ve had a lot of clients, or would be clients, call me because they’ve taken up ...read more
Posted in accidental death, civilian contractors, Civilian War Zone Coverage, insurance, life insurance | Tagged accidental death and dismemberment, Afghanistan, aviation question, contestability period, coverage already in force, existing insurance is still good, foreign travel question, insurance, life insurance, permanent total disability, replace existing coverage, replacing your current policy, sell you a new policy, student pilot, supplementing your current policy, underwrite based on honest answers, working in a war zone
By Ed Hinerman on February 6, 2012
I have clients all over the Middle East doing everything from engineering to Afghan translation to security services. I have been working with a company out of Argentina that has oil field crews working revolving shifts in Iraq and it looks like we will have the policy issued on that tomorrow. I love it when ...read more
Posted in accidental death, business life insurance, buy/sell life insurance, civilian contractors, Civilian War Zone Coverage, disability income, insurance, life insurance, Lloyds of London, professional athletes | Tagged accidental death and dismemberment, business life insurance, CEO, Commercial pilots, disability income insurance, group or individual plans, high limits, inusrance, life insurance, missionaries, professional athletes, war zones, world wide
By Ed Hinerman on January 9, 2012
I am working with a group of men on their war zone coverage, who have been waiting for three months now to start a series of one month trips to Iraq and Afghanistan to do finish work on some newly constructed airport facilities. As is becoming more common in Iraq especially, there have been delays. ...read more
Posted in accidental death, civilian contractors, Civilian War Zone Coverage, disability income, foreign travel, insurance, life insurance, Lloyds of London | Tagged accidental death, accidental death and dismemberment, Afghanistan, AIG, civilian contractors, disability, disability income, extension of benefits, extension of contracts, Global Underwriters, insurance, Iraq, less than half the price, life insurance, Lloyds of London, screwing the customer, Travel Insurance Center, war zone coverage
By Ed Hinerman on November 30, 2011
Your average run of the mill accidental death policy, or for that matter an accidental death rider on a life insurance policy is, well, not a very good value. The reason those policies are dirt cheap is that the mortality risk for accidental death as opposed to other causes of death is very low. When ...read more
Posted in accidental death, civilian contractors, Civilian War Zone Coverage, insurance, life insurance | Tagged accidental death policy, Afghanistan, base jumping, climb in Nepal, climb moutains, contractors in war zones, inherently risky, insurance, life insurance, Lloyds of London, monthly payments, mortality risk, pilot tows banners, skydiving, skydiving instructor |
