Your Life
Your Life
Danger Zone: Obtaining life insurance when you work in a high-risk environment
Whether you’re headed to Haiti as a volunteer helping to restore the earthquake-ravaged country, or to Iraq as an employee rebuilding its infrastructure, or even off the shores of Somalia as ship crewmember and scuba diving adventurist, you or your boss will most likely be looking at higher premiums — if you can get life insurance at all.
All three countries are included on the U.S. State Department’s travel warning list, which is updated constantly, and which insurance brokers say is used to determine how much you will be charged for a new or updated life policy — or if you will be offered a policy altogether.
According to the Web site, travel warnings are issued to describe long-term, protracted conditions that make a country dangerous or unstable, or when a U.S. embassy or consulate closes, restricting government aid to its citizens there.
The list includes war-torn countries like Iraq and Afghanistan, Chad and Sudan with their rebel violence and Mexico with its violence among drug cartels. In each case, the chances of being kidnapped and held for ransom, or injured or killed in the crossfire, are real.
“The more unstable and dangerous a country is and the more likely something bad will happen, the less likely you are to get insurance, not even from Lloyd’s of London, which provides specialty insurance if you can pay the price,” says Ryan Pinney, a high-risk specialist with Pinney Insurance Center, Inc. in Roseville, Calif.
Members of the military going into war zones have coverage through the government-provided Servicemen’s Group Life Insurance, which Pinney says costs about $24 a month for $400,000 coverage. In addition, many private insurance companies cover all military members at no extra cost,” says Michael Tessler, president of Brokerage Unlimited in St. Louis, Mo.
However, most companies won’t insure you if you are going to a war zone as a contractor or working on an oil rig off the coast of Nigeria.
Iaian Donald, with Control Risks, an independent specialty risk consultancy, says some companies that send workers to dangerous places will pay for their employees’ life insurance as part of their accident policy. Huge corporations like Haliburton, have global policies to cover any destination. “The price can be nominal if the company is big enough,” Donald says. Companies that send employees to a particularly dangerous place, including foreign journalists, can buy a policy from a high-risk specialist such as Lloyd’s of London for a certain number of staff and the underwriter will come up with a price, Donald says.
Pinney says if you’re just flying into Afghanistan’s main airport, which is a green zone, and don’t leave the area, and can document that, insurance companies will insure you.
If you’re doing long-term missionary work in a dangerous country with no easy access to good medical care, few insurance companies will insure you, Tessler says.
If you’re a member of the American Red Cross or the Peace Corp., Pinney says you will need to have your own life insurance as neither agency provides it for their volunteers. He says you would probably be limited to standard health class if embarking on a two-week trip to help a dangerous country like Haiti, which means you’ll have a mid-rating if you are relatively healthy. He says underwriters will look at where you’re going, what you’ll be doing while there and how long you’ll be gone, to determine a price.
“It could cost you as much as 25 to 50 percent more for a policy because of the danger,” Pinney says.
If you plan on indulging in extreme sport activity — such as scuba diving or rock climbing —during your off-work hours, expect to pay even more. Pinney says you are rated up two times for each sport you do. “You could pay 50 cents per $1,000. Multiply 50 cents by a $100,000 policy and it gets expensive. If you buy the cheapest 10-year term insurance you would pay $160 to $180 a year for a $500,000 policy if you’re rated preferred best, and $310 to $360 a year for a standard policy if you do these sports,” Pinney says.
<b>Top 10 Most dangerous countries</b>
Following is a list of the top 10 most dangerous countries in the world right now, according to Control Risks. The company advises and assists corporations, government and non-government entities to help reduce their and their employees’ risks. Some countries are just dangerous in specific areas, as listed, not necessarily the country as a whole.
For example, if there is a high risk for travel, foreign visitors from the U.S. may find themselves in a situation where there is a chance of being kidnapped when traveling by foot or land, or they may be unable to get a flight out of the country if civil or political unreast erupts. Also, some countries are so dangerous for foreign travelers that there is a high probability that if something were to happen to them, the embassy in that region would not be able to help.
The countries are listed in alphabetical order; all are extremely dangerous in terms of security, most in terms of travel, and all are on the U.S. State Department travel warning list.
1. Afghanistan: With the war on terror having shifted from Iraq to Afghanistan, and the risk of terrorism high, the country as a whole is considered extremely risky for travel, according to Donald. Control Risks rates it extremely risky when it comes to operating a business in various regions of the country. For instance, there are risks that would impact a business logistically in addition to fraud and corruption which often includes exposure to officials seeking bribes. Also, there are high security risks, a great potential for terrorism and extreme political unrest.
2. Chad, Sudanese border: The two countries have been engaged in hostile relations for years, with each supporting rebel groups in the other country. The battles have left many dead, particularly in the Darfur region of Sudan. Control Risks rates it extreme for security, high for political unrest, travel and business ventures and low for terrorism.
3. Congo (North Kivu province): Militia violence against the government in this African country has placed it high on the warning list, Donald said. It received extreme ratings for security and travel, political unrest and business operations and low for terrorism.
4. Iraq: U.S. troops still are primarily in this country now to keep peace between the Arabs and Kurds, but hostile relations between the two sides continue. It is still rated extremely dangerous for security, terrorism and travel, high for politics and business operations, Donald said.
5. Pakistan: The threat of terrorism and the security factor against the government have placed the entire country on high security alert, Donald said, with the Federally Administered Tribal Areas the only area in the world to receive extreme risk ratings across the board from Control Risks. The military has been especially active in this Afghan Taliban and al Qaeda stronghold.
6. Palestinian Territories, Gaza Strip: Ongoing fighting between Palestinians and Israelis over this portion of land has consistently placed this area on the travel danger list. Control Risks rates it extremely dangerous for political, security and travel reasons, high for business operations and low for terrorism.
7. Somalia: With no working government, law enforcement or institutions, and with pirates attacking ships on the water, this country has been labeled dangerous both on land and water, Donald said. It has been given extremely dangerous ratings in all areas but terrorism, where it was given a high rating for danger by Control Risks.
8. Sri Lanka: Fighting government factions have resulted in one of the longest and bloodiest wars in Asia. The northern province is particularly dangerous, according to Donald, receiving extreme ratings for political, business operations and security reasons and high ratings for terrorism and travel.
9. Sudan, Darfur: Decades of civil war have included genocidal violence, rapes and mass displacement against civilians, many of whom are left in refugee camps. It received extremely risky ratings in security and travel, high in political unrest and business operations and low in terrorism.
10. Yemen, Saada Province: Fighting between the Yemeni army and rebels in this Northern Province has left many dead and buildings destroyed. And it has left the Saada region with an extreme rating for security and travel, and a high rating for political unrest, business operations and terrorism.
This article was originally published at Life Quotes, Inc.
About the Author
Life Quotes provides access to comparative quotes for auto, life, health and business insurance quotes so that busy consumers and business owners can save time and money. Life Quotes is dedicated to providing impartial insurance information.
|
|
Barbra Streisand – Comin’ In And Out Of Your Life – UK 7″ Single – A1789 vg/ex $7.62 |
|
|
PLAN YOUR LIFE BETTER LEARN HOW TO IMPROVE LIFE PLANNING SUBLIMINAL HYPNOSIS CD $4.95 |
|
|
GETTING DIVORCED WITHOUT RUINING YOUR LIFE: A Reasoned, $4.99 |
|
|
Reign Down: Change Your Life Through the Gift of Repent $4.99 |
|
|
How to Live With Your Kids When You’Ve Already Lost … $0.99 |
|
|
E449 Albert Brooks photo Defending your Life 1991 $6.00 |
|
|
Designing Your Second Life by Rebecca Tapley (2008) $4.99 |
|
|
7 Laws of Highest Prosperity: Making Your Life Count for What Really Counts… $4.00 |
|
|
GARY MOSCHELES shaped to make your life easier LP 11 trk with bonus 7 (ssr171) u $24.54 |
|
|
LOVE YOUR LIVE – Victoria Osteen Audiobook EUC CD $4.99 |
|
|
MM-042 Art Print Mahvelous Mona Lisa ~ Your Purpose in Life… watch paint dry $2.50 |
|
|
Going Deeper: How to Make Sense of Your Life When Your $12.74 |
|
|
WATCHTOWER making your FAMILY LIFE HAPPY 1978 2.000.000 $4.95 |
|
|
Cherished Teddies “TODD AND FRIENDS” SHARE LIFE’S JOYS WITH YOUR CLOSEST FRIEND $9.95 |
|
|
NEW HC BOOK ~ OPRAH’S LIVE YOUR BEST LIFE ~ Hardcover $20.00 |
|
|
Dreams That Can Change Your Life by Alan B. Siegel (… $0.99 |
|
|
Paul J Meyer HOW TO INCREASE YOUR RESIDUAL INCOME 2005 Dvd LIVE PRESENTATION $19.95 |
|
|
Are You Ready!: Take Charge, Lose Weight, Get in Shape, and Change Your Life … $0.50 |
|
|
Ten Poems to Change Your Life Again and Again Housden, $22.89 |
|
|
TV Classics YOU BET YOUR LIFE Groucho Marx QUIZ SHOW 51 $10.47 |
|
|
Life Is Good Wmn Top T-shirt M mi casa es su casa (my house is your house) NWT $27.99 |
|
|
59 Seconds: Improve Your Life in Under a Minute Wiseman $20.98 |
|
|
If You Buy This Record Your Life… – The Tamperer feat. Maya Days on 12″ Vinyl $0.99 |
|
|
What are you Going to do Life? CD Echo & the Bunnymen with your IAN McCULLOCH $9.45 |
|
|
Finding God’s Purpose For Your Life Joyce Meyer $4.99 |
|
|
Your Life in 65 – Love, Friendship & Death (DVD, 2007) $10.31 |
|
|
YAZZ treat me good 7″ b/w i want your love (blr24) pic slv uk big life 1990 $11.25 |
|
|
NEW Reboot Your Life – Allen, Catherine/ Bearg, Nancy/ $9.71 |
|
|
Green Hell: How Environmentalists Plan to Control Your Life and What You Can… $46.57 |
|
|
12 Inch Jarvis Church Run For Your Life Remix Promo $5.75 |
|
|
2 Books, “Careers for Perfectionists”, “Stop Living Your Job. Start Living Life” $1.50 |
|
|
You Don’t Have To Be Famous: How to Write Your Life Sto $7.13 |
|
|
THE GREAT NORTH AMERICAN SLIM DOWN-21 DAYS TO CHANGE YOUR BODY & YOUR LIFE $14.95 |
|
|
RAWKOTICS LIVE YOUR LIFE / MAGIC CHEF 12″ NM ’97 BEATNUTS RANDOM RAP GEM HIP HOP $3.99 |
|
|
50 CENT YOUR LIFE’S ON THE LINE 12″ ORIG ’99 MINT- COLUMBIA NY THUG RAP $3.99 |
|
|
Audio CD Change Your Brain & Life Program Daniel Amen $25.95 |
|
|
2155 B PRIMITIVE STENCIL ~ SIMPLIFY YOUR LIFE $3.99 |
|
|
Audio CD 101 Ways to Transform Your Life Wayne Dyer $13.95 |
|
|
Audio CD You Can Heal Your Life Study Course Louise Hay $18.95 |
|
|
THIS IS YOUR LIFE, CHARLIE BROWN~SNOOPY~PB BOOK~1962 $9.50 |
|
|
“Fasten Your Seat Belts: The Passionate Life of Bette Davis” $1.99 |
|
|
Light Fantastic: Light Up Your Life: 25 Illuminating .. $0.99 |
|
|
What’s Age Got to Do with It?: Living Your Healthiest and Happiest Life, Robin M $3.46 |
|
|
3:16 – The Code for Your Life: Elementary Edition $32.08 |
|
|
NEW- Spa in a Basket- Spoil the woman in your life! Great Gift! $25.00 |
|
|
O’BRYAN – THE GIGOLO/CAN’T LIVE WITHOUT YOUR LOVE – 45 $0.99 |
|
|
PRAYING THE BIBLE FOR YOUR LIFE David Kopp HC DJ Religion Christianity Prayer $14.99 |
|
|
Take Your Life Off Hold by Ted Dreier (1988, Paperback) $0.99 |
|
|
Your Life is Now $17.00 |
|
|
A MIND OF YOUR OWN by Betty Shine A book for Life $6.99 |
|
|
RPLA Last Night A Drag Queen Saved Your Life PROMO CD $4.99 |
|
|
The Tamperer ft Maya – If You Buy This Record Your Life $1.84 |
|
|
OUTDOOR LIFE HUNTING MAGAZINE MAY 1970 JACK O’CONNOR HOW’S YOUR SHOOTING STYLE $7.99 |
|
|
“This Book Will Change Your Dog’s Life: Stimulating Canine Challenges” $1.99 |
|
|
Soundtrack to Your Life by Ashley Parker Angel (CD, … $3.25 |
|
|
50 Ideas That Can Change Your Life $1.00 |
|
|
Karma Manual: 9 Days to Change Your Life by Jonn Mumford, Meghan Stevens and … $1.99 |
|
|
The Time of Your Life(DVD) $1.99 |
|
|
Your Life Is in Your Hands: The Path to Lasting Health $5.95 |
|
|
Stand Up for Your Life: A Practical Step-by-Step Plan t $1.00 |
|
|
HILLSONGS Live Worship By Your Side 1999 CD Christian $6.99 |
|
|
Beginning Life Together God’s Purposes for your life DVD $4.99 |
|
|
Grow Up and get on with God’s Plan for your life! 4 new cassette tapes $6.99 |
|
|
E564 Rip Torn Albert Brooks Defending your Life 1991 $8.00 |
|
|
RUGGED WARD BOND THE TIME OF YOUR LIFE ORIGINAL PORTRAIT STILL $5.99 |
|
|
Silpada Ring~Sterling Silver~Inlaid Wood~”live your life to the fullest” 8 NWOT $56.99 |
|
|
Bumper Sticker 3X4 Robbers & Burglars Beware is it worth your life security $1.99 |
|
|
Live Your Best Life: A Treasury of Wisdom, Wit, Advice, Interviews, and Inspirat $4.66 |
|
|
Bumper Sticker 3X4 Scull and Cross bones There is nothing here worth your Life $1.99 |
|
|
Bumper Sticker 3X4 Warning if you value your life Dont mess with this truck $1.99 |
|
|
1974 Aretha Franklin~Let Me In Your Life promo print Ad $9.99 |
|
|
TIME-LIFE The Old West THE PIONEERS 1974 finish your set or start one! $2.49 |
|
|
Knit Together: Discover God’s Pattern for Your Life $1.00 |
|
|
The Worst Years of Your Life Short Stories Mark Jude Poirier Geek Angst Lust… $2.50 |
|
|
Union – Do Your Own Thing Live DVD Bruce Kulick $15.95 $14.83 |
|
|
DEEP PURPLE – MIGHT JUST TAKE YOUR LIFE 45 – BELGIUM $39.99 |
|
|
Excuse Me, Your Life Is Waiting: The Astonishing Power of Feelings $3.69 |
|
|
The Work Is Yours: The Life of Saint John Baptist de .. $24.99 |
|
|
Glenn Beck 7 Wonders that will change your life $17.42 |
|
|
New Passages: Mapping Your Life Across Time by Gail Sh $4.01 |
|
|
JOEL OSTEEN ‘YOUR BEST LIFE NOW’ 7 STEPS TO LIVING AT YOUR FULL POTENTIAL $0.99 |
|
|
You Bet Your Life-Groucho-Old Time Radio-12 shows-6 CDs $9.95 |
|
|
You’re All That!: Understand God’s Design for Your Life by Paula White and Pa… $6.99 |
|
|
LIFE EXTENSION Boosting your Sex Drive,Why Cells Age,Aphrodisiacs . $7.00 |
|
|
Dirty Dancing The Time of Your Life Record – Patrick Swayze Jennifer Grey $29.99 |
|
|
The Tao of Poker 285 Rules to Transform Your Game and Your Life Larry Phillips $2.50 |
|
|
Take Time for Your Life: Program for Getting into Balance CHERYL RICHARDSON $0.01 |
|
|
LIFE EXTENSION FDA vs First Amendment -proposal to take away your freedom $12.00 |
|
|
Murder Can Kill Your Social Life by Selma Eichler 11151 $0.99 |
|
|
Blessed by God Devotional: A Celebration of God’s Goodness in Your Life by… $5.00 |
|
|
rare 1992 the BEASTIE BOYS gratitude PROMO ONLY LIVE & REMIX CD check your head $10.99 |
|
|
Ion Bracelets Ionic Wrist Band improve your life today Inner Health Fitness $20.95 |
|
|
Don’t Waste Your Life by John Piper $4.00 |
|
|
JOEL OSTEEN signed Harccover YOUR BEST LIFE NOW $22.22 |
|
|
Daniel G. Amen The Brain in Love: 12 Lessons to Enhance Your Love Life 2007 $3.99 |
|
|
Dr. Wayne Dyer “Inspiration-Your Ultimate Calling” Brand New Live Lecture 2 CDs $6.99 |
|
|
Dr. Atkins’ Health Revolution: How Complementary Medicine can Extend Your Life b $1.00 |
|
|
Home Rich: Increasing the Value of the Biggest Investment of Your Life, Gerri Wi $3.46 |
|
|
The Sacred Journey: Your Quest for Life’s Higher Meaning by Sam Keen $0.99 |
|
|
Become a Better You: 7 Keys to Improving Your Life Every Day by Joel Osteen (… $3.30 |
|
|
Your Life $12.96 Your Life |
|
|
This Is Your Life $10.8 This Is Your Life |
|
|
COUNT YOUR BLESSING TOP $29.99 . |
|
|
Spread Your Wings Top.Pattern.XL $29.99 Mary Engelbreit – This top features a soft ‘v’ neckline with contrast piping and shirring detail, front darts, two lower pockets, side vents and signature detachable flower appliqu?. |
|
|
Spread Your Wings Top.Pattern.2XL $32.99 Mary Engelbreit – This top features a soft ‘v’ neckline with contrast piping and shirring detail, front darts, two lower pockets, side vents and signature detachable flower appliqu?. |
|
|
Spread Your Wings Top.Pattern.M $29.99 Mary Engelbreit – This top features a soft ‘v’ neckline with contrast piping and shirring detail, front darts, two lower pockets, side vents and signature detachable flower appliqu?. |
|
|
Spread Your Wings Top.Pattern.S $29.99 Mary Engelbreit – This top features a soft ‘v’ neckline with contrast piping and shirring detail, front darts, two lower pockets, side vents and signature detachable flower appliqu?. |
|
|
Spread Your Wings Top.Pattern.L $29.99 Mary Engelbreit – This top features a soft ‘v’ neckline with contrast piping and shirring detail, front darts, two lower pockets, side vents and signature detachable flower appliqu?. |
|
|
Spread Your Wings Top.Pattern.XS $29.99 Mary Engelbreit – This top features a soft ‘v’ neckline with contrast piping and shirring detail, front darts, two lower pockets, side vents and signature detachable flower appliqu?. |
|
|
Your Life (Is Your Direction) $5.49 Your Life (Is Your Direction) |
|
|
Your Money or Your Life $14.58 Your Money or Your Life |
|
|
Your Faith, Your Life $10.55 Your Faith, Your Life |
|
|
It’s Your Life $6 It’s Your Life – Mack 10 |
|
|
This is Your Life $27.99 Louise Carey This is Your Life – Art Print |
|
|
Breathe Life Into Your Life Story $17.9 Breathe Life Into Your Life Story |
|
|
Your Life, Your Story $18.17 Your life is a unique story, with meaning and value. It is made up of all the experiences you have lived through – happy and sad, changing times in the world around you, and precious moments with loved ones. YOUR LIFE, YOUR STORY shows you how to: * Unlock and express your memories * Explore and describe your life-changing experiences * Develop a structure and a chronology for your story * Bring truth and authenticity to your narrative You might write your life story to gain perspective at a time of crisis, such as illness or bereavement, or in later life when you have time to spare. At any age, composing your life story can give you fresh insight into your relationships, family history, and your own life path to bring you confidence and fulfilment. |
|
|
Your Money and Your Life $35 Your Money and Your Life helps readers to make the right financial decisions, at the right time of their lives, in an efficient and cost effective way with an eye towards today’s economic environment. |
|
|
For Once In Your Life $6 For Once In Your Life – Hole |
|
|
That Was Just Your Life $6 That Was Just Your Life – Metallica |
|
|
Run For Your Life $6 Run For Your Life – Gunslinger |
|
|
Get On With Your Short Life $5.49 Get On With Your Short Life |
|
|
Move For Your Life $11.99 Move For Your Life |
|
|
Run For Your Life – Single $3.99 Run For Your Life – Single |
|
|
Spice In Your Life $8.99 Spice In Your Life |
|
|
Times Of Your Life $3.99 Times Of Your Life |
|
|
Fight For Your Life $5.49 Fight For Your Life |
|
|
Clubland: Workout of Your Life $5.99 Clubland: Workout of Your Life |
|
|
The Time Of Your Life $5.99 The Time Of Your Life |
|
|
How Not To Live Your Life $7.99 How Not To Live Your Life |
|
|
Night Of Your Life $8.49 Night Of Your Life |
|
|
LEGO Star Wars Advent Calendar (7958) $38.50 Christmas is almost here! With 24 unique gifts, including iconic minifigures, vehicles and accessories from the Star Wars universe, the all-new LEGO Star Wars Advent Calendar is the perfect way to set the festive holidays into hyperspeed!… |
|
|
Oster 4208 Inspire Electric Wine Opener with Wine Chiller $20.00 Jarden 4208-001 Bottle Opener 4208-001 Can Openers… |
Tags: blog, community, life, lifehacks, productivity, social, tips, your life, your life a to z, your life and mine, your life and mine lyrics, your life but better, your life your money, your life your voice, your life's on the line lyrics
This entry was posted on Wednesday, May 6th, 2009 at 1:26 am and is filed under Music. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.