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Life Insurance and travel to India

I can help them purchase life insurance. They need the direction of a broker who specializes in these cases, and who can help them shop smartly.

Travel to India can be thrilling, and for business purposes, prosperous. At the same time, it has its own set of hazards that can affect how one is underwritten for a policy.

Take a look at the advisory below from the Australian Government Department of Foreign Affairs and Trade. It applies to citizens from all countries, of course. It will give you a good idea of the concerns an underwriter will have. If you know people who do travel to India, please pass this on and ask them to call me. I will guide them through the marketplace and make sure they end up with the right company, and pay the right price.

Thank you much for your help.


We advise you to exercise a high degree of caution in India at this time because of the risk of terrorism, civil unrest, crime and vehicle accidents.

Pay close attention to your personal security at all times and monitor the media for information about possible new safety or security risks. Terrorist attacks could occur anywhere at any time in India with little or no warning.

Possible targets include public places in New Delhi, Mumbai and other major cities, and Indian security and political interests. Major secular and religious holidays could provide terrorist groups an opportunity or pretext to stage an attack.

Terrorist attacks in India have resulted in significant casualties. In 2008 a terrorist attack in Mumbai killed over 170 people, including two Australians. In 2013 to date there have been five separate attacks in cities across India.

Violent protests and demonstrations occur frequently throughout India. Australians are urged to avoid protests, to monitor international and local media, and to follow the instructions of local authorities.

Parts of India are subject to earthquakes, flooding and cyclones. In the event of a natural disaster it is likely that severe disruptions to services may occur. See under Natural disasters, severe weather and climate for more information.

Due to the risk of harassment and assault, women should take particular care in all parts of India and exercise caution even if they are traveling in a group. See under Crime for more information.

Due to frequent accidents, you should exercise particular caution when traveling on buses, trains, cars and motorcycles in all parts of India. See under Local travel for more information.

There is a high incidence of food-borne, water-borne and other infectious diseases in India. Before you travel, you should consult your doctor or travel clinic about disease outbreaks, preventative measures, immunizations and vaccinations. See the Health section for more information.

We advise you to exercise a high degree of caution in the Ladakh region of the state of Jammu and Kashmir and to reconsider your need to travel to the cities of Jammu and Srinagar (including the Jammu-Srinagar highway). We advise you not to travel to other parts of the state of Jammu and Kashmir, due to frequent armed clashes, terrorist activities and violent demonstrations.

We advise you not to travel in the immediate vicinity of the border with Pakistan, other than at the international border crossing at Atari-Wagah.

We advise you to reconsider your need to travel to the north-eastern states of Assam, Nagaland, Tripura and Manipur because of the risk of armed robbery, kidnapping, extortion and terrorism-related incidents. If you do decide to travel to these areas, you should exercise extreme caution.