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 generally a dangerous place to work or live all I could get him was accidental death and dismemberment. No traditional company would even consider life insurance until he is out of Africa and back in the US with a reasonable assurance that he wouldn’t be working overseas in danger or war zones in the foreseeable future.

So this was a 40 something guy in great health and I understand that life insurance is important, but really, what is his exposure to a natural death in that region? Pretty much zero, but he was so adamant that it be true life insurance and a 30 year term, that we eventually parted ways and I agreed not to argue with him. I told him it was all I could offer, just like civilian contractors in war zones and other terrorist infested areas, and I haven’t heard back from him.

So why not traditional life insurance? The traditional “all causes” companies like Prudential or Banner Life insurance simply opt out of high risk areas. For them it’s like not considering stage four cancer. The chances are just too great of a premature death and let’s be real, the cause of death in a war zone or Timbuktu, is going to be something to do with a bullet or a bomb or a beheading, not a heart attack or cancer. Since the policies we offer cover all accidents and acts of war or terrorism, at least for the time someone is employed “over there”, it should be sufficient.

Another facet of this is the fact that if a person already had life insurance in force prior to considering working in a dangerous area, that policy should cover them without question. Unless you are actively planning to become a civilian contractor in a high risk zone at the time you took out life insurance, your contract doesn’t say anywhere that in the future you can’t take on dangerous hobbies or employment. You’re covered. Unlike the old days, modern life insurance doesn’t have any thing excluding death due to war.

If you have questions or need coverage for an upcoming work obligation in Iraq, Afghanistan or even Timbuktu or even if you’re already there and need it in a hurry, call or email us. We can help.

About the Author

Every year millions are needlessly declined for life insurance or approved and paying far more than they need to. For 14 years, I have specialized in turning those situations around and finding the right life insurance solution at affordable rates. I give every client the personal attention they deserve.

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