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Life / AD&D > War Zone & Terrorism Cover

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Accident life insurance for use in Eastern Europe including Ukraine, Belarus, Poland, Russia
Accident life insurance for use in Eastern Europe including Ukraine, Belarus, Poland, Russia
Learn more about coverage for Acts of War & Terrorism

High Limit AD&D Life / Medical for Acts of Terrorism

Providing AD&D life insurance for journalists and other independent contractors worldwide.

AD&D Life for Terrorism Coverage Plan Options:

  • Global Underwriters' Global Accident Protection Plan:     Quote+Apply Online

Travel Medical for Terrorism Coverage Plan Options:

  • Global Underwriters' Diplomat Series:     Quote + Apply Online

Learn more about personal accident insurance

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Request on our secure form

Headlines: Russia / Ukraine War 2022

Ukraine war: International outrage grows over civilian killings in Bucha

Foreign legion volunteers flee Ukraine after Russian missile strike on training base

Foreign legion volunteers flee Ukraine after Russian missile strike on training base

There is mounting international anger over the alleged killing of civilians in Bucha, a town near the capital Kyiv.  The US says it's supporting a team of international prosecutors heading to Bucha to collect evidence.  Without evidence, Russia said images of atrocities had been staged by Ukraine.

Foreign legion volunteers flee Ukraine after Russian missile strike on training base

Foreign legion volunteers flee Ukraine after Russian missile strike on training base

Foreign legion volunteers flee Ukraine after Russian missile strike on training base

A number of foreigners who travelled to Ukraine to fight against the Russians have already begun to flee the country, apparently unprepared for the brutal realities of war against a modern, conventional military.

Blinken meets with officials in Poland amid Russia-Ukraine war

Foreign legion volunteers flee Ukraine after Russian missile strike on training base

Blinken meets with officials in Poland amid Russia-Ukraine war

Saturday Blinken met with Polish Foreign Minister Zbigniew Rau to thank the country's leaders for accepting hundreds of thousands of refugees from Ukraine and discuss how the U.S. can further support relief programs.

Ceasefire talks ‘ongoing’ to evacuate civilians

Ukraine War Hits Farmers as Russia Cuts Fertilizer Supplies, Hurting Brazil

Blinken meets with officials in Poland amid Russia-Ukraine war

Russian President Vladimir Putin has said that Moscow will consider any country that sought to impose a no-fly zone over Ukraine as having entered the conflict.

What to know on Russia’s war in Ukraine

Ukraine War Hits Farmers as Russia Cuts Fertilizer Supplies, Hurting Brazil

Ukraine War Hits Farmers as Russia Cuts Fertilizer Supplies, Hurting Brazil

As Russia’s war on Ukraine entered Day 10, what had looked like a breakthrough cease-fire to evacuate civilians from two cities quickly fell apart. Ukrainian officials said shelling had halted the work to remove civilians just hours after Russia announced the deal.

Ukraine War Hits Farmers as Russia Cuts Fertilizer Supplies, Hurting Brazil

Ukraine War Hits Farmers as Russia Cuts Fertilizer Supplies, Hurting Brazil

Ukraine War Hits Farmers as Russia Cuts Fertilizer Supplies, Hurting Brazil

Brazil is searching for new fertilizer suppliers as the war in Ukraine threatens to cut off shipments to one of the world’s breadbaskets, with potential ripple effects on already high global food inflation.

AD&D including for Terrorism Brochure Downloads

PIU High Limit AD&D - Brochure + Application (pdf)Download
PIU High Limit AD&D Sample Wording (pdf)Download
GAPP - Plan Sample Wording (pdf)Download
Providing war zone life and medical coverage to independent contractors worldwide since 2002

AD&D Life Insurance for Contractors Worldwide

Accidents - The Unique Hazard: Acts of Terrorism & War Cover

Sickness, with its usual warning symptoms allows some lead time to prepare for the emotional and economic consequences that follow. ACCIDENTS STRIKE WITHOUT WARNING ! Acts of Terrorism fall into the "Accident" category of coverage.  

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 (commenly referred to as a "dismemberment"). Life Insurance proceeds are seldom adequate to cover the financial loss due to death.

The life accident hazard is sufficiently unique to merit specific insurance, thus we recommend the Petersen International Underwriters High Limit Accident Plan.  Download the brochure and application or Request a no obligation quote now.  Should you need immediate coverage and wish to apply online for AD&D war zone life coverage, you may do so using the Global Underwriters' Global Accident Protection Plan (GAPP).

Should you be concerned about having a travel medical insurance policy that does NOT exclude acts of terrorism, we recommend Petersen International Underwriters' USAway Major Medical Plan, which can be quoted and applied for online 24/7 for any hot spot worldwide.

Uses for special risk health insurance and AD&D Life insurance in War Zones worldwide include:

US and foreign national Contractor work overseas, Iraq / Afghanistan/ Middle East / Africa Reconstruction Contractor needs, General civilian contractor or employee needs worldwide.


Looking for Defense Base Act (DBA) Workers Compensation Insurance for contractors coverage ? 

Below are examples of current and past clients we have covered in war zones:

Independent Security & General Contractors in Iraq, Afghanistan, Russia & Ukraine & other Worldwide locations including but not limited to: UXO teams (unexploded ordinance --ie; landmines); police force trainers; personal security detail teams; bomb snifffing dog teams at embassys, global diplomats at worldwide embassys, semi-tractor trailer (trucker) convoys in Iraq; Information Technology (IT) personel; electrical and plumbing contractors and more.

Other uses, outside of war zones include: 


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

Countries we can cover for Acts of Terrorism: Hot Spot Listing

Below in alphabetical order you'll find many of the highest threat countries listed.  Our specialty AD&D Life insurance programs will cover for acts of terrorism and war in these countries, excepting coverage for Nuclear, Chemical or Biological (NCB) Exposure and covering active military personnel.  


AFGHANISTAN, ALGERIA, ANGOLA, AZERBAIJAN, BELARUS, BURUNDI, CENTRAL AFRICAN REPUBLIC, CHAD, COLOMBIA, CONGO REPUBLIC, COTE D'IVOIRE (IVORY COAST), DEMOCRATIC REPUBLIC OF CONGO, EGYPT, ERITREA, ETHIOPIA, GEORGIA (FORMER USSR), EASTERN EUROPE, GUATEMALA, GUINEA, HAITI, HUNGARY, INDONESIA, IRAN, IRAQ (incl. KURDISTAN), ISRAEL, WEST BANK (ISRAEL), GAZA STRIP (ISRAEL), JAMMU (INDIA), JORDAN, KASHMIR (INDIA), KENYA, KOSOVO, KUWAIT, KRYGISTAN, LEBANON, LIBERIA, LIBYA, MADAGASCAR, MALAYSIA, MOLDOVA, MOROCCO, NEPAL, NIGERIA, PAKISTAN, PHILIPPINES, POLAND, QATAR, ROMANIA, RUSSIA, RUSSIA -CHECHNYA, RWANDA, SAUDI ARABIA, SENEGAL, SIERRA LEONE, SLOVAKIA, SOMALIA, SRI LANKA-NORTH & EASTERN PROVINCES, SUDAN, SYRIA, TAJIKISTAN, THAILAND, TOGO, TURKEY, UKRAINE, UGANDA, UZBEKISTAN, VENEZUELA, WESTERN EUROPE, YEMEN, ZIMBABWE   

View State Department Travel Advisories Map
Providing security contractors life, medical and disability insurance worldwide in war zones

Who can apply for these coverages?

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 engaged in wartime behavior sancioned by governments).  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. 


Simply stated: "If your job title involves you to go looking for the fight rather than being passively engaged in the fight", we 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!

How are these plans priced ?

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. 


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 areas noted in our side bar above and 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 modes of payment if it is a one year term policy.   Prices start at about $80/ month and can go up to over $300/ month depending on your situation, occupation, policy amount, etc.  We can custom tailor your quotes to get you on budget and all in under 24 hours turn around time.


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 or for any illness or sickness under DBA or just simply underinsured, even on the job !  

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