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 (?), boots on the ground fighting, and every thing you can imagine. What’s clear about that?
I belong to an online group of professionals called LinkedIn.com that hopefully help each other in finding solutions, whether that is who you want to fight your war or who you want to get life insurance from to cover those contractors doing the war zone work for you. The more active acts of terrorism and combat become in the middle east, Africa and associated hotspots, the more the need for companies with high level risk assessment to be able to offer appropriate products for accidental death and dismemberment. Just in the last year we have jarred lose a company that will offer products for active combat participants. So get it, walk it over to the Kurdish pay guy and explain that you need that bill paid in full all the time. The number of individuals and groups at high risk that I have provided life insurance for has grown exponentially in the past 3 years.
But let’s shift gears for a minute, 180 degrees out. I spent some time talking with a veteran that came home from Afghanistan profoundly wounded and with the full array of psychological trauma that a person that has been there has earned, but he’s making the most of it. He has a job and just bought a house. Happily married. He can’t qualify for traditional life insurance because of the amount of meds he takes and his emphysema that was caused by exposure to something over there because he never smoked. So I couldn’t help this guy. All I was able to do was thank him for his service.
Doesn’t it seem that if the US is going to put people in harms way and save their lives by all means available that they ought to support their family with say $100,000 of paid up life insurance when they get home. The number of suicides in this group of men is soaring and what’s a young family to do when Dad and Husband come home and they can’t handle it and kill themselves, or they can handle it but can’t buy life insurance so when they buy a house and God forbid something else takes them prematurely, their family loses their home.
Bottom line. We can do better than this. USAA, the self proclaimed patriotic company, won’t do it. Met Life will write soldiers going into active duty but abandon them if they have the need to buy more life insurance when they return. The best answer is for our government to take responsibility for the mess they’ve created and just flat out pay for paid up life insurance upon discharge. It can never run out or be taken away and is a fraction of the cost of the devastation families suffer without it. If you have any questions or need quotes on war zone life insurance, call or email me directly. My name is Ed Hinerman. Let’s talk.
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