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 involved in the war such as soldiers or armed combatants.
Afghanistan, Iraq and Syria have become hot spots for civilian contractors needing life insurance doing everything from aircraft maintenance to security service on base and off, from those “safely” tucked away on the back side of military bases to those protecting ambassadors in travels to meetings. The bottom line is that they are exposed to the same dangers as the military counterparts, more highly paid, but with less benefits if something goes wrong. That’s where we step in and offer coverage.
Accidental death and dismemberment which pretty much covers 99% of incidents in the dangerous zones our civilian contractors are working in, is what is covered in these polices and acts or war and terrorism rounds out the description. Keep in mind that acts of war and terrorism does have limits in that the insured can’t be an active combatant and the acts of war don’t cover weapons of mass destruction. Again that cover 99% of the contractors that need coverage. While there has been a rise in the number of soldiers for hire our insurer has become more vigilant about what jobs they will insure, making sure that coverage is not offered where it can’t be honored.
Back to the email. Not only can we provide the coverage, but we can provide it via email when a client is already working in the environment. Generally this can be in force within just a few days and in some cases it can be accomplished with esign documents negating the need for printers,, faxes or scanners, something that has proven to be a roadblock in the past. So, no insurance to family coverage in a few days, even in dangerous situations. Call or email us. We can help.
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