World-wide AD&D Insurance with benefit amounts from $100,000 to $20 Million or more.
Available level of coverage for: aviation only, common carrier only, or 24 hour ALL RISKS. Policy periods from 1 day to 3 years available. War risks and Terrorism can be included, anywhere in the world, including active war zones and places of known acts of terrorism. Both individual and group policies are available.
ALSO, NOW with the option of adding a Sudden Cardiac Arrest Rider to the policy along with additional support for covering Nuclear, Chemical and Biological exposures.
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.
Uses for AD&D 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:
- US and foreign national Contractor work overseas
- Iraq / Afghanistan Reconstruction Contractor needs
- General civilian contractor or employee needs worldwide
- Estate Planning Needs, including but not neccessarily limited to:
- Key Person Insurance
- Buy - Sell Agreements
- Etc.
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....

Click on brochure icon above to download AD&D Brochure in PDF format
Download Sample AD&D basic policy wording here
Download Sample AD&D War/Terrorism Risk endorsement rider wording here
High Risk Countries / Hot Spots considered for War / Terrorism Risks (in alphabetical order): All countries below are automatically rated w/ the War Endorsement Rider ---
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