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Posts Under Accidental Death Category

Can We Cover That Risk?

Can We Cover That Risk?

Are there risks that life insurance simply can’t or won’t cover? The simple answer to that, if you’re talking about traditional life insurance is yes. There is risk that is simply too great for them to cover within their guidelines and pricing, but the good news is that their are a few companies out there that cover high risk occupations and avocations (hobbies). Probably the bes...
Is It Life Insurance Or Not?

Is It Life Insurance Or Not?

I had a potential customer get upset with me the other day because I couldn’t provide him a 30 year term life insurance policy. It wasn’t because he had medical history that precluded a life insurance approval, but rather his job. Pretty innocuous really. He works as an accountant, but his office is in Timbuktu (really) in Mali. Because Timbuktu is home to a faction of Al Quaeda and ge...
Family Protection In Dangerous Times

Family Protection In Dangerous Times

I got an email from a guy working with a security service in Afghanistan today wondering if he could get life insurance protection for his family in spite of his location and his job risk. The answer to both is yes. Since civilian contracting in post war and war zones began we have been able to get coverage for life insurance (accidental death and dismemberment) for anyone who isn’t actively...
NCIS Afghanistan Question!

NCIS Afghanistan Question!

So I got a call yesterday from someone in the TV business working on an NCIS like show and they wanted to know, if it were real life which it probably is, could I get those guys life insurance to go into Afghanistan and do some of the things they do. I guess everyone watches television but I don’t much. I have seen a few of the NCIS shows where they go into Afghanistan to kill someone, or to...
Does Your Life Insurance Cover Acts Of War And Terrorism?

Does Your Life Insurance Cover Acts Of War And Terrorism?

If there is anything I’m not in this business, it’s the proverbial ambulance chaser. So forgive me as I write this but keep in mind that I am not here to scare you into buying life insurance you don’t need, but rather to give you the good news that, in most cases, you already have what you need in this dangerous world. Since the 60’s, with the exception of small, burial typ...
Define Those Two Kinds of Life Insurance Por Favor!

Define Those Two Kinds of Life Insurance Por Favor!

I get asked a lot of a particular condition is high risk or impaired risk and it just occurred to me that those people perceive themselves to be high risk because no insurance companies want to carry the policy on them. Please forgive me and understand that I know my blog posts are a little blurred right now as I try to get used to some new meds. All of you with bipolar raise your hand if you agre...
When You Climb Higher Than Most SkyDivers Jump From!!

When You Climb Higher Than Most SkyDivers Jump From!!

Since the first half of the twentieth century, about 7,000 people have attempted to climb the tallest peak in the world, and almost 300 of them have perished doing so.  In the high elevations of the Himalayas, death befalls climbers due to a number of different causes including altitude sickness, falls, avalanches and rope accidents.  The slopes of Mount Everest have proved deadly for many decad...
War Zone Life Insurance Buyer Beware!!

War Zone Life Insurance Buyer Beware!!

I only bring this up because a former client of mine, convinced that I had misinformed him, dropped his Lloyds of London Accidental Death and Dismemberment insurance covering him for all acts of war and terrorism. He works as technical support in a forward operating base in Afghanistan and was paying something in the $200 a month range for $500,000 worth of coverage. His wife did her due diligence...
Fool me once!!!

Fool me once!!!

For those wanting to purchase accidental death policies through Hinerman Group life insurance and Risk Life, well, it just got a little tougher thanks to a client who lied to me about her and her husband’s scuba diving activities. I got a call in March from a lady on St Croix asking about scuba diving accidental death coverage. After going through all of the usual questions about certificati...
When Your Agent Says That Can’t Be Done!

When Your Agent Says That Can’t Be Done!

When I get a phone call or an email from someone saying that they’ve been told by their life insurance agent or even multiple life insurance agents that their situation just can’t be approved and covered, well, game on. While there is a possibility that the client might not be able to get traditional life insurance, that is far more rare than you might think, and in those cases in almo...
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