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eGlobalHealth Insurers Agency, LLC ®
Special Risk War & Terrorism Insurance Programs
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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417-882-1413
All insurance programs herein are fully backed and insured by certain underwriters at Lloyds, London (A+ rated insurer). Enter our secure links below to get ONLINE quotes and bind coverage in less than 24 hours
Quote *High Limit Personal Accident Life Insurance (AD&D) ONLINE
* (Note: Afghanistan, Iraq & Pakistan locations will take up to 24 hours to quote)
All Quotes will include coverage for Acts of War / Terrorism for HotSpots
To whom is this coverage available ?
Just about anyone ranging from independent worldwide contractors / subcontractors to embedded journalists, information technology (IT) consultants to truck drivers and security contractors (aka private military companies or PMCs)... and so much more.
The only limitation is that you are NOT engaged in active war (ie; active military fighting a war). Private security contractors are neither, despite the controversy of security contractors in the occupation of Iraq starting in 2003. Such involvement, especially by security contractors is considered to be that of "passive war" and as such, are not actively fighting the war on terrorism, rather are being re-active or passively participating in the war on terrorism. PMCs are a protection force, NOT a war or mercenary force actively fighting in a war.... that is the job of the US active military folks.
Simply stated: "If your job title involves you to go looking for the fight rather than being passively engaged in the fight", Lloyds cannot insure you. PMCs often ask, "Well, we do take fire at times in our line of work when providing logistics and security to diplomats or other clients!" We say, "Defend yourself !", of course. By definition you are engaged in a "passive war" effort in that scenario. We can insure you.
What is policy pricing based upon & what about DBA being provided to me?
Life insurance is quoted based on primarily country location(s), occupational duties, length of time needed and amount of coverage requested. For medical insurance policies, they are based more heavily upon the age of the individual (going up in price the older one is), occupation, location(s) and amount of coverage requested. Our accident life policies don't base rates on age unless you are over age 65. See example of premium payments and premium scenarios based on occupational hazards.
Both the accident life and medical / evacuation insurance plans will automatically be quoted with acts of war and terrorism rider coverage for any of the listed hot spot counties noted in our side bar to the right.
The annual premium costs can be wide ranging depending on whether the occupation is "hazardous" or "non-hazardous". As many contracting agencies typically leave it up to the individual to pay for the premium for optional life insurance on their own, our underwriter is willing to offer options for monthly, quarterly and semi-annual modes of payment if it is a one year term policy. Contact us by email if any questions or use our Life / AD&D quoting tool AND Medical / Medical Evacuation/ Repatriation quoting tool for the fastest ONLINE service. Be sure to review our Contractor Insurance FAQ section as well.
Although you may have DBA Workers Compensation coverage from your contractor agency (because the US Labor Department made it a law to require it back in 1941), additional coverage may be necessary due to serious potential gaps in coverage and lower limits of coverage under DBA . Note that you may be exposed when OFF the JOB under DBA or just simply underinsured, even on the job !
Listen to our exclusive interview with Jake Allen, author of "Security Contracting", an audio book, about the pitfalls of relying solely on the Defense Base Act Insurance coverage.
How can I pay & what do rates look like for security contractors ?
Our underwriter will allow the individual to pay monthly, quarterly or semi-annual if they
either have someone outside of the assignment country to be billed or they do a pre-authorized credit card billing. Monthly modes are available only with Auto Checking Bank Draft and not by CreditCard, and only if you are applying for a one year term policy. Otherwise premium is due in full. If wanting to pay anyway other than annually, we will require a paper application be completed for AD&D. You may still use our secure online quoting tool(s) to review quotes, but the online system only allows for payment in full.
As of Fall 2011, rates for Afghanistan (the highest rated country), calculate premium for a security contractor at about $7 per thousand sum insured per year. In lay terms, if you wanted $100,000 of AD&D coverage for one year, you'd multiply $7 x 100 = $700/ year. If you wanted $500,000 that equates to 5x the premium at $ 3500/ year. At $1M of coverage it is about $7000/ year. For calculating other modal payment options, like monthly, quarterly or semi-annual, see our senarios below. Non-security folks would be about half the cost.
To calculate the premium cost to pay Monthly, multiply the annual premium by 0.086; this is your Monthly payment. Note: only with Automatic Checking Debit & a paper application (not available online)
Monthly Example:
Est Annual cost = $3500 / year;
Monthly = $3500 x 0.086 or $301 / Monthly
To calculate the premium cost to pay Quarterly, multiply the annual premium by 0.285; this is your Quarterly payment.
Quarterly Example:
Est Annual cost = $3500 / year;
Quarterly = $3500 x 0.285 or $997.50 / Quarterly (every three months)
To calculate the premium cost to pay Semi-Annually, multiply the annual premium by 0.55; this is your Semi-Annual payment.
Semi-Annual Example:
Est Annual cost = $3500 / year;
Semi-Annual = $3500 x 0.55 or $1925 / Semi-Annually (every six months)
HOT SPOTS WORLDWIDE
AFGHANISTAN
ALGERIA
ANGOLA
AZERBAIJAN
BURUNDI
CENTRAL AFRICAN REP.
CHAD
COLOMBIA
CONGO REPUBLIC
COTE D'IVOIRE
DEM. REPUBLIC OF CONGO
EGYPT
ERITREA
ETHIOPIA
GEORGIA (FORMER USSR)
GUATEMALA
GUINEA
HAITI
INDONESIA
IRAN
IRAQ
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 PROVS.
SUDAN
SYRIA
TAJIKISTAN
THAILAND
TOGO
TURKEY
UGANDA
UZBEKISTAN
VENEZUELA
YEMEN
ZIMBABWE
News, Analysis & Commentary from the World of Private Security
eGlobalHealth supports the Wounded Warrior Project --
$2 Dollars from the sale of each copy of the Security Contracting Audiobook will be donated to the Wounded Warrior Project.
US Secretary of State Travel Warnings Listing Current and Up To Date
from the US State Department
from the US State Department
from the US State Department
Request a Quote
for Life, Medical, Disability or Kidnap/ Ransom Insurance
We can respond to this form submission within about 24 hours or less.
If you desire a quicker turn around, please use our online quote requests above for life and medical insurance options. Disability and Kidnap / Ransom requests much use our form below.
By completing all fields below this will best assist us in placing an accurate quote for you.
See our privacy statement on how we strive to protect your information.
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Countries you are visiting and need coverage ?
What type of coverage do you require ?
Do you have a US or Canadian address?
If so, what state or province ?
Occupation while abroad ?
Estimate of annual income per year ?
(we can only provide up to 10x annual income for life insurance needs under our AD&D policies)
Contractor name, if any?
Is this a US based contractor ?
Length of assignment ?
Amount of coverage / benefit requested?
Additional information you want us to know about regarding your coverage needs or travel assignment. The more details the better we can accurately quote your case.
