Among the seemingly unending insults that our men and women in uniform, along with low pay, terrible hours and risk that is above any other job, is the fact that they cant buy personal life insurance if they are headed into harms way from virtually all life insurance companies, but one.

One of the top life insurance companies in the US has made it their policy to underwrite and place life insurance at the same low rates as the truck driver next door. They dont even care if you have orders to the worst part of Afghanistan. They dont care what your job is for the armed forces. They, and this is real, believe it is their patriotic duty to offer coverage with only one caveat.

The application and exam have to be completed before you leave US soil. I know for so many families the deployments are a hardship that is hard to measure but it is dwarfed by the hardship of a family trying to carry after losing a mother or father in combat. I may date myself here, but there is SGLI, servicemens group life insurance. Each member of the armed forces gets this benefit as part of their job. I may be wrong but I believe it is somewhere in the $200,000 to $400,000 range. That kind of military life insurance coverage is simply inadequate if you are talking about a wife and children at home.

There are several companies that will offer life insurance to military personnel who dont have current orders to a war zone. Some hedge their bet even more by saying that you have to be at a point where you cant be deployed. But one company stands alone in offering the extra life insurance that is needed to make sure that military families dont have financial devastation piled on top of the worst loss of their life.

Bottom line. If you are active duty military and need life insurance to supplement what the government provides or if youre the parent of a soldier who would buy more life insurance if he or she could afford it, give me a call or send an email. I will be glad to get you quotes and help get the coverage in place. God bless you and thank you for what you do for our country.

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