Category: Articles in English

Hole in One

3 Interesting Facts About Hole in One Insurance

Hole in One Insurance

Are you running a golf event and would like to offer a valuable prize to attract more sponsors. But are worried about the outlay should some extraordinarily lucky participant hit that rare shot? Go ahead. Add more thrill and excitement to your event by announcing a Hawaiian holiday or a sports car for participants who score a hole in one, but don’t forget to buy a hole in one insurance policy to protect yourself.

This way, if a participant successfully hits that one in a million shot, you can relax and answer the press phone calls while your insurance company take cares of paying the prize money. If you’re organizing a golf event for your company or for a charity and are considering buying hole in one insurance, here are a few interesting things you should know about this unique insurance policy.

1. There’s Practically No Limit When It Comes to the Coverage Offered by Hole in One Insurance

Sounds too good to believe? Well, that’s the truth. Reputable insurance companies can offer you coverage for insanely expensive prizes only if you’re ready to pay the premium. So, if you think that the media attention you will get by announcing an expensive hole in one prize is worth the cost, all you have to do is find an insurance company that can offer you the right coverage.

If you are unable to find one, you can choose to work with an insurance underwriter who can craft a tailored solution for your needs.

2. The Odds of a Player Hitting a Hole in One Are Very Slim

This is the primary reason golf tournament sponsors and organizers offer such expensive prizes for a hole in one shot. Insurance companies have calculated the odds of a professional golfer making a hole in one at approximately 2,500 to 1, and the odds of an average player at 12,500 to 1.
While these odds are very slim, prizes worth $100,000 or more can leave a serious dent in your finances. Therefore, it is always a good idea to invest in a hole in one insurance policy as a precautionary measure.

3. More Players and Smaller Length of Target Result in Higher Insurance Costs

The cost of a hole in one insurance policy depends on a number of factors, including the number of participants attending your event, the value of prizes you are offering, and the length of target par 3 hole.

In addition, it is also important to know that in order to be eligible for the coverage, you must ensure compliance with yardage limits set by your insurance companies. Most insurance providers set yardage limits to be at least 150 yards for men, while women can tee off from 15 yards closer.

Interested in learning more about hole in one insurance? Contact Atlas Underwriters at (954) 318-7940 or visit our page Hole in One Insurance Page
Benefits Kidnap and Ransom

Benefits of Kidnap and Ransom Insurance

Benefits of Kidnap and Ransom (K&R) Insurance

Kidnap and ransom insurance can come as part of a corporate insurance portfolio or as a standalone insurance policy. Its importance remains high because drug dealers, kidnappers, and pirates make sure of that. But what does a kidnapping insurance do anyway? Here we are going to take a look at the ways in which a kidnap and ransom insurance can benefit you.

What is Kidnap and Ransom Insurance?

Before we get down to what is K&R insurance, it is important to take a look of some of the facts. For instance, there are 18,000 to 20,000 reported kidnappings worldwide every year. The exact number of kidnappings is impossible to tell because many of them go unreported. The only way to keep yourself or the employees of your organization safe is by opting for a kidnap and ransom insurance, which is designed to help an individual or an organization minimize the financial loss due to a kidnapping. In the case of a kidnapping, illegal detention or extortion, the beneficiaries are able to receive immediate access to experienced consultants who are specially trained to deal with such situations, both locally and in foreign countries, which results to a greater possibility of the hostage’s release.

The costs that are covered under the kidnapping insurance include:

  • The ransom amount.
  • Any loss of the ransom while in transit.
  • Any legal fees or associated costs during the negotiation process.
  • Fees for a specialist response consultant (if any).

Other Benefits of Kidnap and Ransom Insurance

Offers a Sense of Relief

Knowing that someone who you care about dearly has been kidnapped can be a highly stressful experience. In the heat of the moment, your family would agree to pay any amount of ransom necessary for their loved one’s safe release. But, with a K&R insurance policy, you don’t have to go about it alone. While anybody would pay the ransom if it meant the release of someone they love and care about dearly, regardless of what the amount is, agreeing to pay the amount has far reaching affects on your personal finances. This is the main reason why a kidnap and ransom insurance is so beneficial in this unfortunate situation. Investing in a kidnap and ransom insurance plan ensures that your loved ones or your employer has the financial backing in place to cover the expenses in a time of need.

Tax Savings with Kidnap and Ransom Insurance

Let’s be clear, every investment that you make when taking out an insurance policy helps you save money in the long run. Similar to other insurance policies, when you buy a kidnap and ransom insurance and start to pay your premiums you are able to enjoy annual tax savings as well. There are basically two main advantages of getting a kidnap and ransom insurance. One is you get to protect yourself and your loved ones or employer from financial strain, and secondly, you can make significant savings in tax cuts.

Bottom Line

As incidents of kidnap, ransom and extortion become more of a reality, it makes sense to take out a kidnapping insurance for the safety of yourself and your loved ones.

Fill out our Kidnap and Ransom form to get a quote for your Insurance

Why Accidental Death Insurance

Do you really need Accidental Death Insurance?

Accidental Death Insurance

While nobody likes to think of their own death, accidents do happen, and some of them can turn out to be fatal. Taking out an accidental death insurance policy is a smart way to safeguard the future of one’s family in the event of something as unfortunate as your death occurs.

An accidental death insurance can provide you with peace of mind, knowing your family will be taken care of financially in the case of your untimely death. Furthermore, accidental death and dismemberment insurance can also be extremely beneficial in case you receive a serious injury, which results to a loss of limb.

Accidental Death Insurance Should Be Taken Seriously

According to the CDCP (Center for Disease Control and Prevention) accidents amount to around 130,000 deaths in the United States alone. In fact, according to the data, accidents are the fourth leading cause of death in the US. For anybody, these are incredible numbers when one realizes that so many people lost their lives simply because of an unfortunate accident. Accidents can occur anytime, which is all the more reason for you to be prepared for any unforeseen even that is out of your control..

With such a high chance of accidents, signing up for accidental death insurance makes perfect sense. An accidental death insurance policy is not normally included in a basic life insurance policy, so if someone signs up for an accidental death insurance policy on top of their existing life insurance policy, if they pass away as a result of an accident or lose a limp such as an arm or a leg, the beneficiary of the AD&D insurance policy, as in, the person who is to be paid the proceeds is entitled to receive almost twice the face value of their initial insurance policy, especially if they signed up for a high limit accident insurance. 

Accidental Death Insurance Does Not Cost an Arm or a Leg

It is a cheap way of looking after your future, or that of your loved ones. AD&D insurance pays you or the beneficiaries a set amount of money if your death or dismemberment is the direct result of an accident, regardless of the type of accident, and the best part is, the accident insurance does not cost you an arm or a leg, unless of course, you lose an arm or leg, in which case you will be paid a substantial amount that’s been pre set by the insurance agreement. So, it’s a win-win situation from every angle!

What about Dismemberment?

Another thought you would rather not think of. But, it’s better to be safe than sorry! Right?

Accidental death and dismemberment insurance is offered on a ‘pre-member’ basis. In other words, if you lose a single member such as a foot or limb, or one eye, or your speech or hearing, the insurance company will pay you 50% of the total benefit. On the other hand, if you lose two members, as in, both your arms or legs, or both your eyes, then you will receive the whole amount of the accidental death and dismemberment insurance. The coverage of certain conditions such as paralysis varies according to the insurance company so it’s best to read the fine print before signing on the dotted line.

At Atlas Underwriters we offer you instant online quote for Accidental Death Insurance, Get covered today !

Kidnap & Ransom Insurance

Kidnap & Ransom: Crisis Management Insurance

The need of kidnap & ransom insurance. Kidnapping is a major source of revenue for professional kidnappers around the world. Latin America and Africa still report the most kidnapping cases annually, with Asia and the Middle East not too far behind. Individuals and companies residing or operating in this part of the world should be well aware of the dangers. As well as have adequate kidnap & ransom insurance to cover themselves and their families.

The only K&R policy in the market that that include $3 Million y accident insurance.

The only K&R policy in the market that that include $3 Million y accident insurance.

You do not purchase a kidnap insurance policy for just the ransom reimbursement; more importantly, it is the professional expertise offered through the insurance that makes it so essential. The negotiation between the family and kidnappers is essentially what determines the outcome of the crisis. Knowing the correct approach and how to respond at every stage is crucial to bringing about a positive resolution.

A kidnapping or hostage situation is obviously a terrifying and traumatic event. Having kidnap and ransom insurance helps ease some of the uncertainty by providing the crisis management and support tools. Crisis consultants are trained in kidnap response, hostage negotiation, threat assessment, security risk evaluation and also have of knowledge of the local area and region.

As more individuals and companies increase their security measures, criminals are using quicker and shorter kidnapping schemes. Express kidnapping is a common example, especially throughout Latin America. Tourists and residents alike are targeted, victims are taken hostage and forced to withdraw money from ATM, then shortly released.

Kidnap and ransom insurance policies include coverage for all types of kidnapping and extorti

  • Express Kidnapping – Quick with no extensive planning or specific target.
  • Political Kidnapping – Main purpose is to make governmental demands or for political power.
  • Tiger kidnapping or robbery – Involves two victims, a hostage is taken to blackmail other victim to commit a crime.
  • Virtual Kidnapping – Scam that involves use of victim’s stolen cellphone or personal information to make victim’s family or business think he/she has been kidnapped.
  • High Profile or Net worth Kidnapping – Most elaborate kidnapping scheme, criminals target and study victim, gathering as much information as to personal habits, routine, and security measures
The insurance can be adapted to each specific risk and client, kidnap & ransom insurance policies can include coverage for family members. Contact us.


Accidental Death Dismemberment

Accidental Death Dismemberment
Most people understand the benefits of more obvious types of insurance such as life, health, disability, etc. While accidental death dismemberment coverage is often overlooked; a good AD&D policy can offer added value by filling in the gaps. Accidental Death Dismemberment  insurance does serve its purpose by insuring against an accidental death or permanent injury such as a loss of limb.

Now AD&D insurance is not meant to replace any existing life insurance, but instead enhance your insurance coverage. An accidental death dismemberment is an easy and inexpensive way to increase your overall coverage limits, especially in situations where due to a medical condition, life insurance has either become too expensive or unavailable. People working in high risk occupations, where accidents are considered “part of the job” should consider accident insurance as a complement to any employer provided insurance or disability.

A great feature of an AD&D policy is the fact that it payout a lump sum, rather than a monthly stream of income in the event of a permanent injury or disability; providing a substantial financial cushion during the initial adjustment period.

Accidental Death Insurance

Accidental death insurance

Accidental death insurance

Accidental Death Insurance
An accidental death insurance policy provides coverage in the event you, the insured dies as a result of an accident. Some of the covered accidents include motor vehicle, drowning, unintentional falls, fire, forces of nature, electrocution, heavy equipment, homicide, and even war & terrorism.  And what most people are not aware of is that these policies will pay benefits in addition to any other existing life insurance. So if you die in a car accident, plane crash, or any unforeseen event, your beneficiary (s) will receive any life insurance proceeds, as well as the benefit of your accidental death insurance policy.

Unlike traditional life insurance, where acceptance is really dependent on your medical history and health status; accidental death insurance does not require any medical exams. Qualification is mainly based on current occupation and annual income. So persons with pre-existing medical conditions can apply for accidental death coverage. What may be surprising is that an accidental death insurance policy is relatively inexpensive. Premiums can be less than $70 a month for a $1 Million policy.

Kidnap Ransom & Extortion Insurance

Atlas Underwriters Kidnap & Ransom Insurance

Atlas Underwriters Kidnap & Ransom Insurance

Kidnap Ransom & Extortion Insurance As businesses continue to expand operations internationally and take on a more global dimension, the protection of key personnel, employees, and trade secrets must be carefully analyzed by management. With Kidnapping & Extortion becoming much more widespread and ransom demands reaching upwards of $100 million , today’s multinational corporations and international citizens are at increased risk. Kidnap, Ransom & Extortion Insurance provides a broad range of benefits and services for individuals and companies operating in both domestic and foreign markets, especially in high-risk areas around the world, such as Mexico, Colombia, Venezuela, the Middle East, as well as some parts of the Asia and Eastern Europe. Kidnap Ransom & Extortion policies offer coverage against the risk of a kidnap, extortion, wrongful detention, and other such events. The insurance protection is provided through a combination of financial indemnification and expert crisis management. A typical policy can cover items such as ransom payments, hostage negotiations, medical and psychiatric care, loss of income, consulting fees, family counseling, rehabilitation and many other related expenses. These policies can also cover personal accident losses caused by a kidnap or hijacking; which includes death, dismemberment, and permanent total disability. Kidnap Ransom & Extortion Insurance not a New Concept Kidnap Ransom & Extortion Insurance has been around since 1932. It was first offered by Lloyd’s of London, after the Lindbergh baby was kidnapped, however it was only offered to a small number of people and companies fitting certain criteria such as great wealth. A lot has changed since 1932; more companies and individuals are realizing the importance of managing these risks to help mitigate the substantial costs associated with a ransom or extortion payment. Today, Kidnap for ransom is big business and kidnappers and extortionist do not discriminate.

Hazardous Sports Insurance

Hazardous Sports Insurance An Accidental death & dismemberment caused by participating in hazardous sports activity. Hazardous sports activity coverage is an additional coverage which may be added to the standard Accidental Death policy and provide coverage for the following:
  • Mountain Climbing
  • Surfing
  • Scuba Diving (30ft or more)
  • Mountain Biking
  • Hand Gliding
  • Aggressive inline skating
  • Snow Boarding Sky diving
  • Skiing
  • Wing Suit Flying
  • Wind Surfing
  • BMX Racing
  • Bungee Jumping
  • Sky diving
For information about Hazardous sports insurance, please visit    

High Limit Accidental Death Insurance

Accident Insurance Plan Highlights               High Limit Accidental Death Insurance The basic purpose of accident insurance is to provide compensation for someone who is injured, either on the job, at home or elsewhere. Accident insurance is useful for paying off medical bills, compensating the family of a deceased accident victim and standing in for lost wages if the accident prevents the insured individual from working for an extended period of time.   Plan Highlights
  • No Medical Exam Required!
  • Up to US$ 50 Million in Coverage
  • Available for Ages 18-70
  • Automatic Approval
  • Benefits are paid in addition to any other existing policy
  • Benefits are paid in a lump sum, or in monthly or annual installments which can be for life with minimum period of 20 years in case of death of the actual owner of the annuity.
  • Worldwide coverage
Obtain more information about High Limit Accidental Death Insurance by visiting  


Why AD&D Coverage? WHAT IS ACCIDENT INSURANCE? Accidental Death: Pays the Principal Sum Benefit to the designated beneficiary in the event of death due to accidental bodily injury, or exposure to weather as a result of an accident or disappearance or the sinking of a conveyance on which the insured was a passenger and the body is not found within 365 days of the accident. Dismemberment: Includes the loss of use of both hands or feet, or one hand and one foot, or the loss of sight of both eyes. The Principal Sum Benefit is paid for these losses. One half the Principal Sum amount will be paid in the event of the loss of sight of one eye, the loss of use of one hand or one foot, the hearing of both ears or the ability to speak. Accidental Death and Dismemberment & Sudden Cardiac Arrest: SCA is available as an additional coverage to our 24hour 7day Accidental Death (AD) Insurance plan or our Common Carrier Accidental Death (AD) only plan. This coverage pays the full benefit amount if insured person dies within 72 hours of a sudden cardiac arrest after an accident.