Categories

Posts Under high risk life insurance Category

Breaking The Life Insurance Ice With Alaska’s Fishermen!

Breaking The Life Insurance Ice With Alaska’s Fishermen!

We’ve been a leader in acquiring life and accidental death and dismemberment insurance for people with dangerous hobbies and dangerous careers for years and recently we helped a crab fisherman from Alaska get $100,000 in coverage, something that he and his girlfriend had kind of written off assuming no one would do it. For us and the underwriters with Lloyds of London there wasn’t a hu...
Insurance For Missionaries And Aid Workers Worldwide!

Insurance For Missionaries And Aid Workers Worldwide!

And while we’re on the subject of those who seem more at risk in an increasingly upset and dangerous world, let’s not leave out journalists and civilian contractors. Not that terrorism has ever had a conscience, but with the explosion of groups that purport to be the voice of the world of Islam, Christians and Aid Workers put their lives on the line daily trying to help those displaced...
War Zone Life Insurance For Civilian Contractors!

War Zone Life Insurance For Civilian Contractors!

It would appear that there will be no end to the US trying to fix everything we break when we go to war with another country, or feel bad for someone who has had another country go to war against them. Until that changes there will be jobs for civilian contractors in war zones and dangerous places all over the world and a need for them to help protect their interests back home. We get calls freque...
Life And Health Insurance For Sochi Olympic Games!

Life And Health Insurance For Sochi Olympic Games!

Hard to believe we are almost ready for the winter Olympics to start. Getting to the Olympics other than by television is going to be a piece of work this year, being held in Sochi, Russia. Although Russia said it is ready to thwart any terrorist action, a common threat it seems no matter where the games are held, the US State Department has issued a travel alert, not their highest warning, but ra...
Is There Clear And Present Risk In Your Job?

Is There Clear And Present Risk In Your Job?

In this day of global economy and instant media, more and more people, from reporters doing their job in battle torn areas to civilian contractors in war zones and reality TV shows being filmed in unstable areas of the world, there have never been more ways outside of the military to risk your life for a living. As recently reported by the AP, “at least 70 journalists were killed on the job ar...
Risk Taken Out Of Context?

Risk Taken Out Of Context?

We try to follow all new developments in life insurance underwriting but as we’ve mentioned several times these developments and changes are coming faster and faster as life insurance companies embrace the truth about early detection of disease and the decreased mortality risk that corresponds. We’ve always been careful to call untested underwriting a rumor until we get an approval to...
When Business Life Insurance Isn’t Just An Option!

When Business Life Insurance Isn’t Just An Option!

There are times in business when it would be nice of have life insurance and then there are times when there really is no other choice, life insurance is the answer to a business question and nothing else will meet that need. This usually isn’t a big deal until you run into an unusual situation that doesn’t fall into normal underwriting parameters. But what happens in, for instance, th...
The Nature Of Life Insurance Exclusions!

The Nature Of Life Insurance Exclusions!

Wouldn’t it be nice if there was just one risk that was messing up your life insurance application, say, travel to slightly dangerous places for work, if you could just ask the company to exclude foreign travel. After all, you can buy travel insurance for anything from a vacation to working as a civilian in a war zone so if your base policy excluded travel then you could still package togeth...
What Is A Flat Extra Charge On Life Insurance?

What Is A Flat Extra Charge On Life Insurance?

Most of the time life insurance rates fall within a rate class. Generically most company’s best rate is call preferred plus. This is the rate that people get when they are fit and really don’t have much for issues. Treatment for cholesterol and blood pressure can get best rate class with some companies, but most put those things off to their second best rate called preferred. People ca...
Do You Feel A Little Nervous Around Indexed Universal Life?

Do You Feel A Little Nervous Around Indexed Universal Life?

At Risk Life we have been following the IUL growing pains and the moaning and groaning of clients who aren’t seeing the proof in the putting. In the financial adviser realm there is a saying, “Never use life insurance as an investment and never use an investment as life insurance.” Indexed Universal Life flies in the face of that advice with agents today reminding us of agents in...
Page 3 of 4« Prev1234Next »