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Top 7 Dangerous Countries in the World

November 13th, 2014 · Life Insurance, No Medical Life Insurance Tips

Most insurance companies generally ask for an extensive travel questionnaire and underwriting decisions are made based on preferred or standards rates. Some companies will have exclusions for deaths occurred in certain countries and the insured needs to sign off on an amendment form. Some insurance applications may even be declined due to an insureds’ history of high risk travel. Many factors will influence the insurance company’s decision including occupation, frequency and duration of travel, purpose of travel and travel warnings’ advisory posted by the government as well as citizenship.

Here is a list of some of the most dangerous countries to travel to:

7. Sudan

The third largest country in Africa divided by the Nile River. The nation has been through civil wars on and off for the past 40 years. Foreign Affairs, Trade and Development Canada advise against unnecessary travels to Sudan as the country is politically unstable with volatile security due to high levels of violent crime and armed conflict. Kidnappings, armed robberies, home invasions, carjackings, landmines and unmarked minefields are some of the common threats found in danger zones such as Dafur. Staying hydrated is essential in the heat of Sudan but accessibility to a clean water supply has been a major problem in many places of the country. Sudan is also known for its high mortality rate related to malaria, an infectious disease contracted from mosquito bites.

6. Honduras

A relatively small country located in Central America with an exceptionally high murder rate. According to United Nations Office on Drugs and Crimes, Honduras is ranked number one for the Highest Intentional Homicide Rate of 75.6 murders per 100,000 people in 2013 due to the scarcity of police presence and limited government resources. Police lack vehicles or fuels to respond promptly or even respond at all. Foreign journalists are primary targets for drug-dealing gangs, criminal groups and corrupt members of the government against negative press. Tourists in group tours are associated with fewer incidents involving armed robberies and carjacking. Despite the Government of Honduras’ attempts to increase security in popular tourist areas, visitors are still advised to exercise caution and stay vigilant to surroundings at all times, refrain from isolated areas and only book with reputable tour groups.

5. Niger

A landlocked country named after the Niger River is the largest country in West Africa covered by the Sahara desert. The Government of Canada strongly advises against any visits to this country, as it is one of the poorest countries in the world. Massive flooding, malaria rampant, food crises are just the tip of the iceberg. Heavily armed rebels and militants roam the streets and crimes such as kidnapping, mugging and stabbings are common everyday occurrences. Landmines cover the bordered areas and visitors are recommended to stay on main roads. Westerners are of particular danger to the country as it is a host to the Al Qaeda in the Islamic Maghreb (AQIM), a group responsible to overthrow governments, kidnappings and terrorist attacks.

4. Central African Republic

After the previous government has been overthrown, the country remains unstable and lawless. Rebels and rogue troops are known for remorseless tactics such as burning villages, setting up fake roadblocks and banditry, particularly along the rural outskirts of the capital and “the chances of returning back home safe and unharmed is slim to none”. Unlike Iraq and Afghanistan, Central African Republic has no international presence and the security situation continues to deteriorate. Food and water may carry diseases like cholera, hepatitis A, schistosomiasis and typhoid and vaccines and proper medication must be taken prior to travelling. Insects carry and spread deadly diseases, measures such as using insect repellent, covering up and staying in enclosed accommodations should be taken.

3. Afghanistan

The landlocked country in Central Asia and South Asia has been the hot topic of discussion in the media for the past decade. Remnants of the Taliban and other terrorist groups including Al Qaeda still operate as suicide bombings, hostage takings, terrorist attacks remain frequent, especially in the country’s capital. Unlike other countries, terrorism and criminal violence do not discriminate. Travelers of any race, religion or nationality can be targeted and captured. Targets include hotels, embassies, government buildings and any locations that are known to occupy Westerners. Landmines scattered throughout the countryside are a major threat and no area is safe. Road travel outside of Kabul is extremely unsafe and restricted by the Afgan government. Basic accommodations and infrastructure services are minimal and food and water shortages are prevalent.

2. Iraq

The subject of breaking news in recent years is a country that is located in Western Asia with the largest ethnic group of Arabs. Minefields lie along the border and surrounding military bases, visitors are advised to stay at hard-packed areas. Car bombings, vehicle ambushes, mortar and rocket attacks are periodic incidents and considered cyclical in nature. Security arrangements should not be handled lightly, along with assessing the risk of traveling, keeping updated on local developments and registering with the Embassy of Canada as precaution measures. Threats to foreigners are very high, including Canadians as they are the primary target for terrorist groups. Crime and corruption are common, especially at night and visitors are recommended to remain indoors. Road travel is not safe as motorists disobey traffic laws and carjacking attacks are additions to the risks.

1. Somalia 

Currently holds the title for the most dangerous country in the world to visit, “where you can get kidnapped or shot in the head faster than you can wipe the sweat off your brow” as reported by American journalist and East Africa bureau chief for The New York Times, Jeffrey Gettleman. The country is flooded with warlords, pirates, kidnappers, bomb makers, terrorists and factions. International military response is inadequate and acts of piracy have only increased. Local hospitals lack resources and staff to treat injuries. Aside from the political crisis, flies and mosquitoes are common carriers of deadly diseases, and it is critical to take all medicines and immunization before arriving in the country. War, displacement, drought, skyrocketing food prices make it an uninhabitable place to live.

If you believe you could be at risk for a declined policy or accepted with travel exclusions, talk to your broker to find out more about other options. There are currently a few Canadian life insurance carriers that offer traditional plans and have decided to omit certain travel questions or are relatively lax on their application and their underwriting process. If you have been decline due to travel history, a Simplified Issue policy may be your best option; as they do not ask travel related questions.

Before visiting these countries, proper research must be done to ensure all precautions are taken to avoid danger to your personal safety and health. Entry and exit requirements for many countries are the sole prerogative of each country and region and requirements vary. The Government of Canada is able to provide credible travel advice, safe transportation in the event of a crisis, and assistance leaving the country as a last resort. With that said, the primary responsibility for personal safety falls under the traveller and there are constraints on government resources, especially in regions with high potential for violence.

Dining on These Foods Could Be Your Last Meal

July 21st, 2014 · Life Insurance, No Medical Life Insurance Companies

When it comes to food, you don't discriminate. You embrace it all, and are practically drooling to try out new foods that have the potential of making your taste buds tingle! What you don't know is that from delicious delicacies to regular groceries, some of them contain toxins which could potentially end you.

You might love them, but the feeling clearly isn't mutual...

Eat at your own risk!

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11 Things You Never Realized Could Affect Your Insurance Application

June 26th, 2014 · Life Insurance, No Medical Life Insurance Companies

Photo by Josh Hallett / CC BY
Having a DUI on your record could
  negatively impact your premiums.

You'd like to consider yourself a life insurance novice. You've done your research and know the primary factors that underwriters consider when determining your premium: your age, health, family health history, tobacco use, occupation, the policy term and amount. So when you confidently send out that application and end up receiving an unfavourable result, just what went wrong?There are so many things that your insurance company will consider when looking at your application (aside from the usual suspects), and it's good practice to be aware of them so you can exercise precaution.

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Lorne Marr Shares 5 Essential No Medical Life Insurance Tips

June 19th, 2014 · No Medical Life Insurance News


When it comes to finding life insurance that fits your needs, it is a matter of knowing where to shop around, knowing what to look for and how to navigate the world of life insurance. Let me, Lorne Marr, help you do this with little fuss and great success by sharing five essential no medical life insurance tips. How do you know I can provide you what you need? I have been in the insurance industry for over 20 years, starting my career with Met Life before founding LSM Insurance in 2004. My goal is to help LSM Insurance become Canada’s top on-line life insurance brokerage.

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8 Reasons Why Your Insurance Claim Will Get Declined

June 16th, 2014 · No Medical Life Insurance News

hazardous activities
Photo by ryanh / CC BY-SA

You buy life insurance for the purpose of making sure that there's something sufficient left for your family in the case that you won't be there. After all, for the monthly premiums you pay, you deserve something out of it.

You can surely die peacefully now, right?

I'd hate to say otherwise, but your family may find that when filing for a claim on your insurance policy, they only end up receiving a portion of the full amount, or even worse ─ nothing.
Based on a number of reasons, from plain dishonesty to a sensitive topic like suicide, you could be denied your claim. In order to ensure that you won't end up in a sticky situation like this, here are 8 reasons your insurer may refuse your claims.

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Top 5 Silent Killers

May 30th, 2014 · Cancer Insurance, Critical Illness Insurance, Disability Insurance, Life Insurance, No Medical Disability Insurance, No Medical Life Insurance Companies

eggs crack
Photo by Bernard Goldbach

You never saw it coming. You're an ordinary, happy-go-lucky soul who juggles life and work and enjoys exercising as much as the other person. You're not scared of those annual health check-ups, in fact, your doctor loves telling you you're good for another year, and you know it! So after spending an evening catching up with friends, you return home feeling happy and sated, stumble into bed, close your eyes... and never wake up again.

You just died in your sleep.

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No Medical Life Insurance in Edmonton, Alberta

May 28th, 2014 · Life Insurance, No Medical Life Insurance Companies, No Medical Life Insurance News, No Medical Life Insurance Tips


Edmonton would be a great place for ground-zero in the Zombie Apocalypse, what with the University of Alberta (cutting edge medical science), two downtown districts, and a slew of LRT lines to transport the living and the undead, it’s a wonder it hasn’t happened yet! But in all seriousness, if it did happen, wouldn’t it be nice to have medical insurance? Well, a zombie may qualify as a hard to insure applicant, but medical coverage is always a plus, right?

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No Medical Life Insurance in Markham, Ontario

May 20th, 2014 · Life Insurance, No Medical Life Insurance Companies

Markham 1

Markham, ON is a popular choice for those wishing to live within the Greater Toronto Area (GTA) without living amongst the mayhem of the city itself. The only drawback to living in a popular commuter community, like Markham, is the commuting. Living in the city has the benefit of convenience, including the convenience of major transit systems like subways. Living outside the city often means lots of highway driving, which translate to lots of risk.

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No Medical Life Insurance in Mississauga

May 15th, 2014 · Life Insurance, No Medical Life Insurance Companies


Mississauga is a city on the brink, the brink of Toronto that is. It is a hugely popular place to call home for those who commute to Toronto but aren’t interested in living in the Big City. Although it lies outside of Toronto proper, it is still quite a busy place to live. Located on the 401 highway, Mississauga sees traffic jams twice a day that can last hours at a time and be due to sheer volume or a nasty collision. For anyone living in or around Toronto, having health insurance and life insurance is important.

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No Medical Life Insurance, Vancouver, BC

May 13th, 2014 · Life Insurance, No Medical Life Insurance Companies


Living in Vancouver, BC poses some interesting living situations and challenges. This beautiful city offers coastal views of the Pacific Ocean and a culture completely shaped by the sea. From surfing to eco-living, and whale watching to seafaring, these BC residents simply live differently than the rest of country. At the same time, these residents are subject to more hazards than other areas of the country and thus are in far greater need of extensive health and life insurance.

No Medical Life Insurance, Vancouver, BC continued ...