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BROCHURE, RATES and APPLICATION

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Not available for Residence of the U.S. regardless of citizenship.

Why International Term Life Insurance?
Internationally, the need for life insurance protection is increasing as common markets encourage involvement in travel, relocation, and foreign business. Domestic life insurance companies cannot always provide solutions to our one-world needs.

Foreign nationals with U.S. business interests or U.S. citizens traveling or residing outside the U.S., for example, may well have life insurance needs that can only be handled by International Term Life Insurance.

Short-term needs for purposes such as contract completion, and movie or TV productions or longer term needs such as bank loans are examples of uses for this unique new product.

Policy Periods
International Term Life Insurance is available for time periods from one year up to a maximum of 10 years, on a level premium basis. During the policy period, re-qualifying is not required and the premiums are payable on an annual basis.

Issue Ages
From ages one year to seventy-five years.
PRODUCT DESCRIPTION / GENERAL UNDERWRITING GUIDELINES

Products Description:

Basic Plan (Basic): Policy Limit Paid at Death
Terminal Illness (TI): ˝ of Policy Limit Paid when Diagnosed with Terminal Illness and 12 Months or Less to Live
Double Indemnity (AD): 2x Policy Limit Paid when Death is Result of Covered Accidental  Injury

Features of All Plans:

Term Life Insurance – Up to 10 Year Term
No Cash Value
No Surrender Value
No Conversion Option

Underwriting Requirements:

1. Complete an IC+ International Term Life Insurance Application, may be completed on-line

2. If the total amount of Life Insurance applied for (all companies) is greater than $350,000, a Financial Questionnaire is Required. There are two Financial Questionnaires; one is required when the purpose of purchasing the insurance is Personal Protection, Inheritance Tax or in connection with a Private Residential Loan; the other is required when the purpose of purchasing the insurance is Keyman, or in connection with a Commercial Loan. Financial Questionnaires will be provided upon receipt of your application.

3. A Medical Questionnaire, completed within 30 days of Application, by a licensed Physician, is required at the following amounts of insurance: ( A Medical Questionnaire will be provided upon receipt of your application)

Age Amount
Under 35 $225,000
36 to 45 $187,500
46 to 50 $150,000
51 to 55 $112,500
56 to 60 $ 75,000
61 to 65 $ 37,500
66+ Any amount

: These guidelines apply to "clean" Applications only. If there are disclosures, individual consideration will be given, and a Medical Questionnaire may be required.

This product is available only to individuals residing outside of the United States and the U.S. Territories at time of Application. Premium surcharges will be made for individuals residing in "hot" areas of the world.

How To Obtain a Rate Indication:

Geographical Limitations: Most policies are written for world-wide coverage. There are certain areas in the world where restrictions or limitations may apply. It is important to obtain as much information regarding travel and place of residency as possible. Be specific on city and country.

Financial Justification: Whether the insurance is for business use or personal use, financial justification is critical to successful underwriting. Please be sure there is adequate justification for the amount to be insured.

Occupations: Before assigning a premium to a risk, the determination of the insured's occupational duties and the amount of travel related to their work assists underwriters in developing accurate rates

Avocation: Please advise as to any hazardous sports or recreational activities in which the proposed insured may be involved.

Purpose of Coverage: Developing a clear picture as to the importance of this insurance aids the underwriters in developing the best possible rates.

Click here for Instant Quotes & Online Application
(Not available for Residence of the U.S. regardless of citizenship
 

If you have any questions or concerns, please contact us today.
info@internationalriskmanagement.com
877-211-3654 or 559-294-0316

Thank you for visiting our website.
www.InternationalRiskManagement.com

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HERE'S THE FINE PRINT:
Availability, features, benefits and rates for all plans described on this site are subject to change without
 notice at the discretion of the insurance carriers. This site is updated weekly, but we recommend contacting
 usdirectly to be assured of getting the most up-to-date information available.

  INTERNATIONAL SECURITY NEWS BRIEFS:
Please note that we at Sunburst International Risk Management provides the International Security News Briefs as a value-added service to our international clients and visitors of this website. Our International Security News Briefs are updated frequently, in order to provide you with current and reliable news and events as quickly as we can. We have no control over the content of external websites, and links to various external news sources may become inactive at any time. We suggest that you bookmark our website and return frequently to check the current global news posted on our website.

Europe - United Kingdom
Crime 'stable' but robbery rises  July 19, 2007
Crime in England and Wales has remained stable during the past year, according to Home Office figures.

East Asia / Pacific - China
Fifth of China goods sub-standard  July 4, 2007
Nearly a fifth of goods made and sold in China have been found to be sub-standard, Beijing has revealed. The worst problems were found in canned fruit, dried fish and fruit drinks, a food inspectors' report said.

Sub-Saharan Africa - Nigeria
Scots oil worker held in Nigeria  April 1, 2007
A British oil worker is still missing after being kidnapped in Nigeria, the Foreign Office has said.

Middle East / N. Africa - Israel  
Israeli union gripped by general strikes Mar. 21, /2007
Irael's main trade union has launched an open-ended general strike which threatens to bring transport and public services across the country to a halt. 

Europe - Russia
55 Cities Could Face Spring Floods Mar. 15, /2007
More than 55 cities and towns across the country could be flooded this spring, according to a forecast released by the Emergency Situations Ministry.

Middle East / N. Africa - Algeria
Threat to Commercial Aircraft in Algeria Mar. 14, /2007
There is information that extremists may be planning to conduct an attack against a commercial aircraft carrying Western workers in Algeria. At this time, there is no additional information available as to the specific carrier or the timing of this attack.

East Asia / Pacific - Thailand
Army doubts Bangkok attacks likely  Mar. 12, 2007
Council for National Security chairman Gen Sonthi Boonyaratkalin Sunday dismissed rumours that southern insurgents plan to launch disturbances in the Thai capital anytime from Tuesday through Thursday.

Sub-Saharan Africa - Kenya
Mombasa Athletic Event Threats Mar. 6, 2007
Recent information emanating from alleged extremist elements suggests the World Cross-Country Championship may be the target of an unspecified terrorist attack. The embassy is also aware of public statements by leaders of Kenya’s Coastal Muslim community threatening to disrupt the Championship if the Government of Kenya does not satisfy various demands

Sub-Saharan Africa - Ethiopia  
Tourists 'kidnapped' in Ethiopia  Mar. 2, 2007
Addis Ababa, Ethiopia: A group of 15 foreign tourists has been kidnapped in north-east Ethiopia. They include 11 French nationals, at least one Briton and an Italian.

East Asia / Pacific - Thailand
Muslim insurgency stokes fear in southern Thailand Feb. 26, 2007
PATTANI, Thailand: Some are already calling it war, a brutal Muslim separatist insurgency in southern Thailand that has taken as many as 2,000 lives in three years, with almost- daily bombings, drive-by shootings, arson and beheadings.
 

American Tourist kills mugger with bare hands Feb. 24, 2007
SAN JOSE, Costa Rica - An American tourist who watched as a U.S. military veteran in his 70s used his bare hands to kill an armed assailant in Costa Rica said she thought the attempted robbery was a joke — until the masked attacker held a gun to her head.

Sub-Saharan Africa - Nigeria  
Three Croatians kidnapped in Nigeria Feb. 19, 2007
Port Harcourt, Nigeria: Gunmen kidnapped three Croatian oil workers from a bar in Nigeria's oil city of Port Harcourt. 

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for Global Travel Medical, Accident, & Life Insurance

East Asia / Pacific - China
Buddhist beheaded in Thai south Feb. 9, 2007
A 72-year-old Buddhist rice miller was beheaded in Thailand's rebellious Muslim south on Thursday in an apparent retaliation for a bomb attack on a village tea shop owned by Muslims, police said.

Europe - Russia Feb. 5, 2007
Registration Rules Stir Up Confusion
Moscow, Russia: According to a new law that came into effect Jan. 15, foreigners are now required to hand over their registration papers to migration officials -- via their employer or other sponsor -- every time they leave the country and re-register upon subsequent entry into the country.

Click here for Instant Quotes & Online Purchase
for Global Travel Medical, Accident, & Life Insurance

Sub-Saharan Africa - Nigeria
Captors release nine Chinese oil workers in Nigeria Feb. 5, 2007
Nigeria, Lagos: Hostage takers in Nigeria released nine Chinese oil-worker captives, officials said on Sunday, amid rising violence in Africa's biggest petroleum producer.

Sub-Saharan Africa - Nigeria
Force no solution for Nigeria's oil delta Feb. 2, 2007
The Nigerian government faces a new challenge from spiralling crime in the oil-producing Niger Delta, but wants to avoid turning Africa's oil heartland into a battleground, Energy Minister Edmund Daukorua said.

Sub-Saharan Africa - Nigeria
Demands made for release of hostages 2/1/07
Manila - Nigerian kidnappers holding 24 Filipinos hostage have made "political demands" that have hampered negotiations to free them, the Philippine foreign department said Thursday.

East Asia / Pacific - Thailand 1/30/07
Two explosions in northern Bangkok
Bangkok - Two explosions occurred early on Tuesday morning along the main road in northern Bangkok. There were no casualties reported in the blasts near the Daily News newspaper and Rama Gardens Hotel Bangkok.