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Posts Under Occupational risk 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...
Life Insurance AntiMissionarianism!

Life Insurance AntiMissionarianism!

I remember when I learned to spell antidisestablishmentariansim. 6th grade. I was way proud of myself even though I had no clue what it meant. I think that came in about the 10th grade and by then, even though I knew what it meant, I didn’t care. So now I make up words, mostly for the blogs, and sometimes just to get looks. All of that is to say that my most recent word, at least according t...
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...
Breathing New Life Into Missionary Life Insurance!

Breathing New Life Into Missionary Life Insurance!

We get that life insurance companies aren’t really against Christians and we understand that’s not why they are so wary about underwriting missionaries. The underwriting truth with traditional life insurance companies is that Christians are persecuted all over the world and in some parts of the world that persecution can lead to an untimely death. They will decline to offer coverage. M...
War Zone Risk Isn’t All About Soldiers!

War Zone Risk Isn’t All About Soldiers!

While wars rage on, with Iraq, Afghanistan, Libya and Syria it’s an ever changing scene. While the US and its’ allies have done their best (or not in the case of Syria) to bomb the enemy into submission, there is another set of war casualties that often doesn’t get coverage and in some cases is higher than the armed combat troop casualties. There have been periods of time in all...
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...
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...
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...
Risk Life Insurance Guilty As Charged!

Risk Life Insurance Guilty As Charged!

If Risk Life Insurance is guilty of not doing enough, it would have to be our becoming comfortable with business as it has been, and not sharing more about how high risk life insurance and impaired risk life insurance underwriting works both for and against you. If you’ve ever been declined for life insurance or offered a rate that was three or four times what you expected, you were probably lef...