** Note to War Risk Rider: Part (a) means ONLY Passive War is covered; Active War is that in which Active Military Personel are engaged in war... ie; active military is not covered;
Part (b) simply means nuclear, chemical & biological exposures are excluded
Accidents - The Unique Hazard
Sickness, with its usual warning symptoms allows some lead time to prepare for the emotional and economic consequences that follow. ACCIDENTS STIKE WITHOUT WARNING !
Medical and Disability Insurance often fall short of covering the costs inherent with accidental bodily injuries and inadequately compensate for the specific losses of limb, sight, speech and hearing. Life Insurance proceeds are seldom adequate to cover the financial loss due to death.
THE ACCIDENT HAZARD IS SUFFICIENTLY UNIQUE TO MERIT SPECIFIC INSURANCE...
HIGH LIMIT ACCIDENTAL DEATH AND DISMEMBERMENT INSURANCE
& MEDICAL EVACUATION / REPATRIATION INSURANCE.
Domestic and International Travel (commercial and private jet travel), including:
- special coverages for high risk hazardous sports (ie; mountaineering, aerial sports, etc)
Business Travel Accident
War / Terrorism Concerns Worldwide, including but limited to:
Estate Planning Needs, including but not neccessarily limited to:
Example Cross-Section of our Clients (not a complete listing):
Independent Security & General Contractors in Iraq, Afghanistan & Worldwide
including but not limited to: UXO teams (unexploded ordinance --ie; landmines); police force trainers; personal security detail teams; semi-tractor trailer (trucker) convoys in Iraq; Information Technology (IT) personel; electrical and plumbing contractors; etc.
Leisure and business travelers
Journalism / Freelance Writers; TV and Radio Network employees / journalists in war zones
Documentary and film crews to areas such as the Arctic Circle
Land speed motorcycle testing / racers, etc.
Oil refining industry / exploration teams / Geothermal exploration; etc.
Expeditions to Kilimanjaro and other extensive mountaineering trips (leisure and otherwise)
Domestic / USA - based companies requiring key person or buy-sell agreements on executive level owners/ employees
And many more....
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, LIBYA, 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