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eGlobalHealth Insurers Agency, LLC ®
Domestic & International Special Risk
Life, Accidental Death &
Failure to Survive Insurance Plans
from certain Underwriters at Lloyds of London
Specializing in worldwide travel, health, life, disability and special risk insurance programs for global living, travel and work abroad
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from Petersen International Underwriters and Certain Underwriters at Lloyds of London and other specialty carriers
eGlobalHealth > Personal Accident / Life Insurance Programs Worldwide
Petersen International Underwriters
- best for: any nationality or citizenship but does require a valid USA or Canadian "accomodation address" on the application - Download our alternative plan option if you have a state restriction
- Can be quoted and purchased online 24/7
- Accidental Death, Accidental Death & Dismemberment or AD&D with Accidental Permanent Total Disability Rider
- Options to add "Natural Causes / Illness" coverage
- Hazardous Sports & Sudden Cardiac Arrest Rider option
- Acts of War / Terrorism & Nuclear, Chemical, Biological Riders
- Available up to age 80+; NO medical underwriting / Guaranteed issue / Worldwide Coverage in all countries
- Max limits typically up to 10x annual income; high limits available up to $20M + if income justified
- Underwritten by Certain Underwriters at Lloyds, London (Surplus Lines Insurer) / A rated
Why would I need life insurance ?
The reasons are varied and many. Having a life insurance policy allows for a level of financial security and peace of mind that nothing else can provide.
Do you have a mortgage ? Most will have a mortgage for up to 30 years. What if you die tomorrow? You will leave the large debt with your spouse and/or children ! Children planning on going to College ? How will your spouse maintain the level of comfort and lifestyle accustomed to once you're no longer around (failure to survive) to provide income ? What if both you and your spouse passed along and left your children with a large sum of property, assets, etc ? The government wants their take (called Estate or Death Taxes!). Without an insurance policy to cover this estate tax, your children may unwillingly have to sell all those assets just to cover the tax bills.
What if you are in a business relationship and your partner, a key person to the success of the business, dies ? How do you replace that person with someone that can continue to grow the business or risk going out of business because of losing that persons expertise ? Key Person life insurance!
These are all very real scenarios that affect most everyone in todays society. A sound financial plan revolves around having adequate amounts and the right type of life insurance. eGlobalHealth Insurers Agency offers such programs to meet these needs and we focus on those especially tough cases that other traditional carriers will not or simply cannot offer coverage. All plans underwritten by certain underwriters at Lloyds.
Petersen International Underwriters
- best for: any nationality or citizen that is residing outside their home country or are involved in an international business relationship
- NOT available to quote online but contact us for a quote within 24 hours turn around time
- Terms from 1 to 10 year max limits
- Group terms available; no underwriting required typically
- Does require certain accomodation address to be eligible (Learn more below ... )
- Full medical underwriting and paramed exam may be required for individual plans
- Maximum limits up to $3M+, income justified
- Underwritten by Certain Underwriters at Lloyds, London (Surplus Lines Insurer) / A rated
It is often the case that you may have a financial interest in someone else, a business partner or surrogate mother, who is uninsured. If something were to happen to this party of interest to you (failure to survive), this could not only be a great emotional ordeal but have huge financial consequences.
Despite the reasons the third party has for being uninsured, you must feel secure financially should the unthinkable occur. If the third party is unable to be persuaded to obtain life coverage, you (the party with an insurable interest) CAN secure coverage WITHOUT the insured party being aware it's existence. Cases such as these require the Confidential Failure To Survive Insurance Plan from Lloyds, London.
Petersen International Underwriters
- best for: those involved in divorce settlements, venture capital deals, movie productions, surrogate mother contracts and other areas where an individual has a financial interest in a third party
- Common uses: bank loans, divorce settlements, investors, business managers / agents, movie production, business buy outs / buy ins, surrogate mother contracts
- Considerations: 1) There must be a documented (written agreement) insurable interest between the two parties, 2) Insure without the knowledge of the insured, 3) will NOT consider blood relatives nor married couples and 4) Annual policy that is renewable annually only
- Underwritten by Certain Underwriters at Lloyds, London (Surplus Lines Insurer) / A rated
Most companies have a special person among them (key person) who is essential to the success of the business. They can be valuable for their expertise, power, innovation or information and should they be uninsured, their death (failure to survive) could spell financial doom and ruin for the company. If you can relate to this situation and feel financial security is at stake because a key employee(s) are underinsured, the Key Person Life Failure To Survive Insurance plan can help.
Petersen International Underwriters
- best for: needing to obtain life insurance for most important people in your company
- NO medical exam required and issued in 24 hours
- Common client uses for clients that:
- have history of drug use- recently been charged with DUI- need coverage immediately- do not want to secure life coverage- are afraid of needles and not willing to take the standard life exams- on assignment overseas and unable to secure policy- traveling to war zones, causing a decline from traditional carriers- Underwritten by Certain Underwriters at Lloyds, London (Surplus Lines Insurer) / A rated
Take the example someone needing a bank loan desperately. But it hinges on having life insurance to secure the loan. Underwriting delays can be a huge road block to securing this loan. The Business Bank Loan Failure To Survive Life Insurance plan can be issued as a temporary life insurance in a matter of HOURS to assist you in this process.
Petersen International Underwriters
- best for: needing to obtain life insurance for bank loan indemnification purposes
- NO medical exam required and issued in 24 hours
- Term: 90 days to one year
- Common client uses for clients that:
- have history of drug use- recently been charged with DUI- need coverage immediately- do not want to secure life coverage- are afraid of needles and not willing to take the standard life exams- on assignment overseas and unable to secure policy- traveling to war zones, causing a decline from traditional carriers- Underwritten by Certain Underwriters at Lloyds, London (Surplus Lines Insurer) / A rated
Any responsible adult knows that obtaining a secure and substantial Life Insurance policy is incredibly important. Unfortunately some people have difficulty finding a carrier willing to provide the coverage. The inability to locate a willing insurance carrier is especially hindering for your clients in need life insurance to indemnify a buy-sell agreement. Petersen International Underwriters developed the Buy Sell Failure To Survive Life Insurance Plan for your clients who need a plan, but find themselves unable to obtain life insurance coverage from the traditional insurance market.
Petersen International Underwriters
- best for: business owners needing life coverage that otherwise have difficulty getting such coverage in the traditional markets
- NO medical exam required and issued in 24 hours
- Common client uses for clients that:
- have history of drug use- recently been charged with DUI- need coverage immediately- do not want to secure life coverage- are afraid of needles and not willing to take the standard life exams- on assignment overseas and unable to secure policy- traveling to war zones, causing a decline from traditional carriers- Underwritten by Certain Underwriters at Lloyds, London (Surplus Lines Insurer) / A rated
Current listing of high risk countries that are covered under the High Limit AD&D policy:
AFGHANISTAN, ALGERIA, ANGOLA, AZERBAIJAN, BURUNDI, CENTRAL AFRICAN REPUBLIC, CHAD, COLOMBIA, CONGO REPUBLIC, COTE D'IVOIRE (IVORY COAST), DEMOCRATIC REPUBLIC OF CONGO, EGYPT, ERITREA, ETHIOPIA, GEORGIA (FORMER USSR), GUATEMALA, GUINEA, HAITI, INDONESIA, IRAN, IRAQ (incl. KURDISTAN), ISRAEL, WEST BANK (ISRAEL), GAZA STRIP (ISRAEL), JAMMU (INDIA), JORDAN, KASHMIR (INDIA), KENYA, KOSOVO, KUWAIT, KRYGISTAN, LEBANON, LIBERIA, MADAGASCAR, MALAYSIA, MOROCCO, NEPAL, NIGERIA, PAKISTAN, PHILIPPINES, QATAR, RUSSIA, RUSSIA -CHECHNYA, RWANDA, SAUDI ARABIA, SENEGAL, SIERRA LEONE, SOMALIA, SRI LANKA-NORTH & EASTERN PROVINCES, SUDAN, SYRIA, TAJIKISTAN, THAILAND, TOGO, TURKEY, UGANDA, UZBEKISTAN, VENEZUELA, YEMEN, ZIMBABWE
As one might expect there are a great deal of politics involved in the international market of term life insurance. Countries try to protect their own insurance industries with trade barriers. As with most laws they are intended to protect the majority. This usually is a good thing, but for a minority of people who get caught in the gray area of the law, it can be rather trying.
The businessman from the United States who works the majority of the time in Peru, as an example. The U.S. life insurance companies do not want to insure him since he is out of the U.S. so frequently. The Peruvian insurance companies will not consider him since he is a U.S. citizen. Both the U.S. and Peruvian governments prohibit the exportation of insurance.
The only legal way around this frustrating situation is to use a truly international life product. Our international products have certain countries, which recognize this problem and allow a receptive entrance into their country. The accommodation address is used only for the legality of booking the risk. The address has nothing to do with the situs of the risk, or the billing address for the policy. It is purely for the purpose of satisfying the regulators.
In order for us to accept an International Term Life application we must have an address from one of the following countries. This address can be that of a friend, relative, business associate, or a regional office of the employer. The only requirement is that it is a legitimate address.
Countries from which addresses are acceptable (subject to change without notice):
Antigua, Austria, Bahamas, Belgium, Bermuda, British Virgin Islands (BVI), Bulgaria, Cayman Islands, Czech Republic, Cyprus, Denmark, Estonia, Falkland Islands, Finland, France, French Guiana, French Polynesia, Germany, Gibraltar, Greece, Grenada, Guadeloupe, Guernsey, Hong Kong, Hungary, Iceland, Ireland, Isle of Man, Israel, Italy, Jamaica, Jersey, Latvia, Liechtenstein, Lithuania, Luxembourg, Malawi, Martinique, Mauritius, Monaco, Netherlands, New Caledonia, Poland, Portugal, Reunion, Romania, Saint Barthelemey, Saint Martin, Slovakia, Slovenia, Spain, St. Vincent, Sweden, United Kingdom, Vanuatu, Zimbabwe
Global Underwriters
- best for: any nationality or citizenship; no USA state restrictions
- Can be quoted by downloading our application form and returning for processing (24 hour turn around)
- Accidental Death, Accidental Death & Dismemberment (AD&D)
- Options for Medical Insurance / Evac coverage as rider or stand alone medical only
- Acts of War / Terrorism & Nuclear, Chemical, Biological Riders
- NO medical underwriting / Guaranteed issue / Worldwide Coverage in all countries
- Underwritten by select USA insurance carriers (US Insurer) / A rated
