Life Programs

High Limit Accident Insurance
Individual or Group Accidental Death and Dismemberment
World-wide AD&D Insurance with benefit amounts from $100,000 to $20,000,000 or more. Available for: aviation only, common carrier only, or 24 hour all risks. Policy periods from 1 day to 3 years available. War and terrorism can be included, anywhere in the world including war zones. Individual or Group.

Now with Sudden Cardiac Arrest Rider Option.

Perfect for:

  • Domestic and International Travel
  • Business Travel Accident
  • War Risks

International Term Life Insurance
Term Life Insurance for international situations
International risks are often times difficult for traditional life insurance carriers. Foreign travel or business assignments may involve the need for life insurance coverage. Business firms with key people who are citizens of foreign countries will also be looking for solutions to these problems.

Perfect for:

  • International Asset Protection
  • International Employee Benefits
  • International Key Person

Key Person Contingent Life
Insuring a third party who has an insurable interest in a Key Person
The Key Person Life plan was designed to provide an immediate solution to your life insurance needs. While traditional life underwriting often takes many weeks to complete, Key Person Life can be accomplished in a matter of hours.

Some Common uses for Key Person Contingent Life Insurance:

  • Key Person has a history of drug use
  • Key Person has recently been charged with a DUI
  • Key Person needs coverage effective immediately
  • Key Person does not want to secure life coverage
  • Key Person is afraid of needles and is not willing to take the life insurance exams
  • Key Person is on assignment in a foreign country and they are not able to secure a policy
  • Key Person must travel to war zones causing the traditional carrier to decline the application

Short Term Contingent Life and/or Disability
Insuring a third party who has an insurable interest
The STC plan was designed to provide an immediate solution to your life and disability insurance needs. While traditional life and disability underwriting often takes many weeks to complete, STC can be accomplished in a matter of hours.

  • Available for 30, 60 or 90 days
  • Limits up to $20,000,000 (or more) available
  • Available for third party business situations only
  • Must provide financial justification

Confidential Insurable Interest Life Insurance
Insuring a third party who has an insurable interest without their knowledge
Your client depends on the income of another person, such as a business manager who provides services to a high profile client. This may be the sole client and all of the business manager’s income rides on the survival of the client. Without the knowledge or consent of the insured, this third party may secure term life insurance to cover their insurable interest.

Appropriate for:

  • Business Agents
  • Personal Managers
  • Divorce Settlements
  • Other Third Party Situations