The question as to what types of military insurance (also called forces insurance or army insurance in some quarters) are really necessary has been cause for a lot of debate in many officers’ messes. The debate is understandable. Soldiers are, after all, trained to be practical people with an eye for priorities. To be sure, not many modern soldiers would want to expose themselves to the risk of working without any form of forces insurance cover. Yet not many soldiers also, in line with their training in practicalities and priorities would want to be burdened with military insurance that they don’t really need. So what types of army insurance (or forces insurance as you may see it) are really necessary?
The answer to the question of which types of army insurance (or military insurance for the ‘inclusionists’) are really necessary is typically an individual decision, which differs from serviceman to serviceman and from officer to officer.
For one soldier, anything above service life insurance is superfluous, yet for another, having personal accident and army kit insurance, in addition – of course – to the service life insurance cover doesn’t feel like enough coverage still.
In summary, service life insurance is life insurance cover created with the unique realities of military life in mind, seeing that ordinary life insurance cover cannot cater adequately for the needs and level of risk a soldier is sometimes exposed to. Personal accident insurance on the other hand covers for the risk of getting injured in combat or in training, a very real possibility that any prudent soldier would surely want to be prepared for in some way. Meanwhile, army kit insurance covers the military kit which every soldier is issued with upon enrolment in the forces. This military kit is quite expensive, and as part of military etiquette, should it get lost or damaged in some way, one is supposed to replace it with their own money. And without military insurance cover, replacing this military kit might mean going without pay for some months, surely a dreary prospect.
So in the light of those descriptions, which types of forces insurance cover are really necessary?
The answer to the question has to be made with the fact that going for one type of cover and leaving the rest means that one is exposed to the risks covered by the type of army insurance they forego. For instance, opting to go for service life insurance and personal accident cover means that one is exposed to the possibility of going without pay for some months at some point to replace a lost or damaged military kit. Therefore the best advice is to go for the maximum level of coverage one can afford, because all the risks covered by military insurance are really worrisome when taken into perspective.
And in the final analysis, all forces insurance covers serve a person, and the answer to the question of what types of military insurance cover are ‘really necessary’ should ideally be rephrased to ‘what types of forces insurance one can really afford’ keeping the consequences of foregoing one type of forces insurance or another in mind.
Question by navygf10: military insurance…?
I am getting married next month to a sailor…how long will it take for me to get put on his insurance?
Best answer:
Answer by Enrique T
as soon as y’all can present the legal docs to Tricare that yall are married
What do you think? Answer below!

Leavenworth, Kan. (PRWEB) June 26, 2009
Armed Forces Insurance (AFI) recently teamed with Military Hub, the free military web site focused on leveraging the benefits of today’s military lifestyle, making AFI the exclusive property and casualty insurance partner for this unique military portal.
Military Hub, at www.militaryhub.com, offers guidance on military lifestyle issues including home and family, health, insurance, banking, education, military pay and money management.
The AFI/Military Hub partnership creates a military-focused insurance resource for Militaryhub.com, as well as an opportunity for AFI to connect directly with military personnel and military families who are seeking insurance coverage designed specifically for their unique lifestyle needs.
“Managing a military lifestyle requires attention to regulations and details that the average consumer doesn’t worry about. Military Hub is dedicated to being the resource for all things military-services that meet the specialized needs of military personnel-which makes partnering with them a natural fit for AFI, ” said Lori Simmons, Director of Marketing, AFI. “At AFI, we’re committed to providing around-the-clock service and focused guidance to military personnel, and this partnership gives us a great opportunity to do just that.”
Military Hub answers the challenge of serving in the military by offering information on a wide spectrum of military topics and solutions. The web site at Militaryhub.com is designed to address every aspect of today’s military lifestyle, a virtual portal for vital military contacts, information and updates, for military service members and their families.
Military Hub also addresses financial services that best support the military lifestyle, according to Bruce Reichstein, Marketing Director, Advertise Military LLC, the military services advertising firm that owns and manages Militaryhub.com. “We understand the complexities of living a military life,” Reichstein continued, “and Military Hub will continue to guide military personnel in successfully managing and thriving in the military lifestyle, even in today’s economy.”
About Military Hub
Advertise Military, a leading military services advertising firm, launched Militaryhub.com Internet portal to provide in-depth news and insightful information for military lifestyle management in areas ranging from military auto insurance to military banking, from GI Bill Education to VA Loans, health care, military deployment, higher education, military family life, all the topics of military lifestyle success.
About AFI
For more than 120 years, Armed Forces Insurance (AFI) has been providing premium quality, competitively-priced property and casualty insurance for military personnel and Department of Defense employees throughout the United States and overseas. Headquartered in Leavenworth, Kansas, AFI creates a rewarding customer service experience while providing members with peace of mind and protection from fortuitous loss. For more information, visit our Web site at www.afi.org or call 1-800-495-8234.
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