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rec
Lv 6
rec asked in Politics & GovernmentMilitary · 1 decade ago

Insurance that doesn't have a military/war clause?

My husband and I are looking to add to our life insurance policies now that we have a child and more assets. He currently has a small policy through USAA, in addition to his SGLI. The "family" policy I have at work doesn't cover deaths during acts of war, declared or undeclared. I'm wondering if there are any policies we can add that don't have a similar exemption?

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  • 1 decade ago
    Favorite Answer

    Every insurance company is different, but I have found that when I challenged them on these kinds of aspects they have responded favorably.

    For instance, I am a rated aviator and many insurance companies have an aviation rate-up that charges a higher premium because of my occupation. I debated with broker and state my case that flying is safer than many other activities that they don't rate up. He agreed and adjusted my policy.

    A war clause should also be challenged. There were more Americans killed in DUI -elated incidents than combat deaths during the Vietnam War. The two wars that were in now have significantly lower death rates than Vietnam.

    I would present an argument along these lines and if they don't agree, then I would change insurance companies. Just like everyone else nowadays they are hurting for business too.

  • 1 decade ago

    USAA is the only one that I am sure of you may check CUNA they offered some sort of life insurance through Navy Federal Credit Union a while back.

  • Anonymous
    1 decade ago

    In addition, your husband also gets up to 400,000 on the SGLI program, and can opt to get you a 100,000 on the spouses program through the military. He just has to update his paperwork and request it on the form...then turn that into his orderly room.

    Source(s): US Army, 18 years
  • 1 decade ago

    You have the option of getting more insurance from the military

    It's true. See the post from the 18 year Army person

  • Anonymous
    1 decade ago

    first,you should collect some resource by searching the relevant keyword in search engine,if you got good luck there ,then your problem solved.however,if you are not able to find the ideal answer by doing that,here http://www.insuranceidea.info/free-insurance.htm is the resource i recommend.

  • 1 decade ago

    I don't believe there is any such animal.

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