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Posts Under high risk life insurance Category

Worth Considering?

Worth Considering?

I’m a Christian, a follower of my Lord Jesus Christ and it is with no small concern that I have watched the escalating bias and hatred and even killing of my brothers and sisters especially in the last 20 years, especially in the last 5 years. Depending on where the information comes from hundreds of thousands of Christians have been killed in the last five years and for those serving as mis...
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...
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...
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...
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 (?)...
Where Is The Risk In Cured Diseases?

Where Is The Risk In Cured Diseases?

Recent medical breakthroughs have brought a cure for Hepatitis C, not remission but cure. This comes just as life insurance companies are finally trying to wrap their minds around the fact that well controlled HIV and well controlled type one diabetes are no longer the killers they once were. And now there are whispers of a cure for HIV on the horizon. If something is cured that means that it isn&...
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...
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...
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