Ed Hinerman On Life Insurance

A life insurance oxymoron!

April 19th, 2007

There’s this area of underwriting that has always been a source of annoyance for me. It involves foreign travel, but more specifically foreign travel as a missionary. The whole subject seems to be  a stumbling block for almost all insurance companies. They just don’t seem to want to underwrite policies on people who travel around the world helping the poor and needy. Much to dangerous they say.

My confusion comes when these same companies will underwrite someone who is on active duty in the military “as long as they don’t have current orders to a warzone”. In this day no current orders simply means you haven’t received any yet.

 My confusion comes when these companies don’t even ask whether you ride a motorcycle or live in a high crime rate area. My confusion comes when the same companies will underwrite you if you vacation in the same overseas areas where they will decline you for doing missionary work.

Being an independent agent has allowed me to scour the earth in search of a company that won’t hold a grudge against those who do the Lord’s work. There have been some break throughs in that area just recently. There are companies that will hang with you even though your reason for foreign travel is not for a vacation. You can’t find these companies without finding an agent who has done the leg work and knows what direction to take you.

So, a breakthrough, finally, for even the oppressed of the life insurance industry.

Related Posts

• Foreign Travel Evolution (Revolution) In Life Insurance!
• Life insurance and foreign travel!
• Does Your Life Insurance Cover You At The Beijing Olympics?
• Foreign Travel And Life Insurance!
• Frequently asked question!

Entry Filed under: Independent agent, insurance, life insurance