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Posts Under Civilian contractor in war zone Category

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...
War Zone Disability Income Insurance!

War Zone Disability Income Insurance!

You’ve hear me talk about war zone or dangerous area life insurance for civilian contractors in numerous posts and you may have inadvertently not connected the disability income feature or product that is also available. Just like the military there are far more wounded than killed, often doing something that in the rest of the world would be safe, driving from one place to another. With the...
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...
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...
What’s Clear About That?

What’s Clear About That?

It probably never was simple or clear even when it was just US based contractors simply running around Iraq and Afghanistan rebuilding infrastructure and buildings that our armed forces had methodically dismantled. Now, and maybe back then, there are people serving companies in every conceivable dangerous place and war zone in every conceivable dangerous job including anti terrorism consulting (?)...
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...
The State Of The State Of US Life Insurance For Foreign Nationals!

The State Of The State Of US Life Insurance For Foreign Nationals!

Let’s start easy because I can tell you that the other end of the spectrum has gotten a lot more difficult and if we don’t have to go there, well, that will be to your benefit. From past posts you know that business life insurance such as key person, business loan collateral and buy/sell funding can be written domestically and internationally as long as there is some tie to the US. Whe...
Acts Of War Or Terrorism Life Insurance!

Acts Of War Or Terrorism Life Insurance!

I don’t like to play on people’s fears when helping with life insurance, but let’s be practical. If you are a missionary, business person or civilian contractor with ties to the US and you’re working in areas of the world where bad people are playing the wreaking havoc game and being American targets gets them the most points, life insurance that speaks directly to acts of...