Browse: Home / Civilian War Zone 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
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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 |
By Ed Hinerman on October 12, 2011
I had a call today from a wife whose husband has a great high paying job as a translator for the military in Afghanistan. He’s a civilian, but works translating for trainers working with Afghan police forces and also goes on patrol with marines as a translator. This guy is exposed to all the same ...read more
Posted in accidental death, Civilian War Zone Coverage, insurance, life insurance | Tagged accidental death insurance, ADD, Afghanistan, already in Afghanistan, amazing deal, civilian contractor, in force quickly, insurance, life insurance |
By Ed Hinerman on September 20, 2011
If you’ve entertained looking into high paying work in Iraq and Afghanistan, you’re not alone with the job situation here. The lure of a year or two of work to get back on financially stable ground is tempting. But “job” comes with an asterisk in places where folks are hurting each other and the truth ...read more
Posted in accidental death, AIG, Civilian War Zone Coverage, decline, hazardous activities, insurance, life insurance, private pilots | Tagged accidental death, accidental death and dismemberment, Afghanistan, AIG, civilian workers, foreign travel, high risk, insurance, Iraq, life insurance, Lloyds of London, private pilots, war zones |
