Terrorism, Acts of War and your Life Insurance

Terrorism, Acts of War and your Life Insurance

by Leslie Freeland, August 23, 2016

With the recent terrorist attacks, you may be wondering if you died during a terrorist attack or act of war, would your life insurance or mortgage protection still cover you.

Would your family still be able to claim the the money from your policy?

Would they have the financial protection they need?

These are important questions to ask, even if you think you aren’t at risk. With an increased concern about terrorist events happening on U.S. soil, now is the right time to sit down with your trusted insurance agent and ask these tough questions.

The Top 4 Questions to Ask

“Will I still be covered if I die in a terrorist attack?”

In most cases, your family will receive your life insurance or mortgage protection money. Almost every policy purchased since 1970 includes terrorism coverage.

Most insurance companies go by the U.S. government’s definition of terrorism. This means that if the government calls an event an “act of terrorism,” your insurance company usually agrees.

According to the current definition, terrorist acts: “Involve acts dangerous to human life that violate federal or state law; Appear intended (i) to intimidate or coerce a civilian population; (ii) to influence the policy of a government by intimidation or coercion; or (iii) to affect the conduct of a government by mass destruction, assassination or kidnapping; and occur primarily within the territorial jurisdiction of the U.S.”

For example, a recent terrorist attack is the Orlando nightclub shooting on June 12, 2016.

So don’t worry, you will most likely be covered, but double-check with your agent anyway.

“Will I still be covered if I die during an act of war?”

In the past, your insurance company didn’t have to pay out on your life insurance or mortgage protection policy. An act of war includes events such as invasions, insurrections, revolutions and military coups. Each insurance company defines an act of war differently though, so this definition is just a broad guideline.

Today, most acts of war are no longer excluded. So if you die due to an act of war, your life insurance or mortgage protection policy will most likely pay.

“Will I still be covered if I die in a foreign war or terrorism event?”

The above answers might only apply when you are on U.S. soil, so you need to discuss these special cases with your insurance agent.

In general, most insurance companies will not cover you if you are traveling to known war zones. Most insurance companies have a list of countries they consider high risk, so make sure your insurance agent looks into all the details for you.

If there is coverage available, Asurea will find it.

“Will I still be covered if I am in the military?”

If you are serving in the United States military, you can still get life insurance and mortgage protection coverage. For example, coverage is available through the Military Benefit Association.

For more information about the different insurance plans available to you, the U.S. Department of Veterans Affairs has the information you need.

More Coverage Options for Travelers

When you purchase a new life insurance or mortgage protection insurance policy, make sure to disclose everything you can think of. For example, if you don’t mention your frequent travel to certain countries, your family might not receive the financial protection you want them to have. Your insurance company could deny your claim.

Your insurance agent needs all of the facts to get you the right coverage.

In addition to your main insurance policy, your agent may suggest additional or alternative coverage such as:

  • Accidental Death and Dismemberment (AD&D) Insurance
  • War Risk Insurance
  • Additional Terrorist Coverage
  • Travel Accident Insurance
  • Disability Insurance
  • Long-term Care Insurance

Know What You Have

In addition to asking the above questions when purchasing a new life insurance or mortgage protection policy, if you already have insurance, call your trusted insurance agent now to see what coverage you do and don’t have.

Your agent can help you adjust your policy if your current coverage isn’t what you want.

The point we’re making here is that even if you think you’re covered for major risks, it’s better to be safe and check again than to assume.

Find a trusted insurance agent, and review all details of your life insurance or mortgage protection policy. You’ll be put at ease with the knowledge that in the event of a tragedy, your family will be financially protected.

Here at Asurea, our goal is to be your Simple Solution to understanding your insurance coverage. Our agents can provide the answers you want and find the policy you need.




Asurea offers Life Insurance, Mortgage Protection Life Insurance, Medicare Supplement Insurance, Final Expense Insurance, Disability Insurance, Long-term Care Insurance, Retirement Planning products and more. For additional information, click on the ‘Learn more’ button below. Want to have articles just like this delivered to your inbox? Just enter your email address in the box below and click ‘Subscribe.’

This information is provided for general consumer educational purposes only and is not intended to provide legal, tax or investment advice. Dollar amounts are for illustrative purposes, not actual.


Leslie Freeland

Leslie Freeland

Find her at LinkedIn
Leslie joined Asurea as the Marketing Communications Coordinator in February 2015. Since then, she has been working closely with insurance professionals to educate the public on the importance of life insurance and protect the public from common scams with informational articles.
Leslie Freeland