Does Life Insurance Cover Acts of Terror?

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By Steven H. Kobrin, LUTCF

Insurance companies inevitably have a role to play during times of war. People tragically die, and get hurt. Property gets destroyed. Business is interrupted. Once people get through the grief and terror, they need to move on. They need money. Bills have to get paid. They need to know the insurance company will come through for them and pay every dollar of the benefit deserved. And quickly.

Under the terms of the ordinary life insurance contract that you and I have, war is not excluded. Neither are acts of terror. So yes, the beneficiaries of those poor victims in France, and for that matter in America, Israel, India, and all over the world, should get their insurance payout.

That money certainly will not compensate for their loss, nor will it bring justice to the perpetrators. But it will help them keep their lives stable, and to move on as they can.

It must be noted that some people do have life insurance policies with exclusions. These exclusions can include acts of war and terror. These policies are typically issued by excess-market carriers to people whose occupation or lifestyle could expose them to such hazards. One example could be an engineer who works for a construction company that operates in war zones.

But these people, and their families, know upfront they might not get paid. For the rest of us folks who have policies with no exclusions, one cause of claim is as good as the other. That’s a small consolation when tragedy strikes, but it is nonetheless good to know the money will be there.

Please feel free to comment, or to contact me directly with a specific question.

If you need a quote now, or a second opinion on a quote you have received, the best thing to do is to call me toll-free at (866) 633-1818. Or email me at I also encourage you to download my free Life Insurance Guide, which you’ll find in the above tab, as many people have found it to be extremely educational.

About Steve

Steven Kobrin is a life insurance expert with 25 years experience. He serves high-net-worth individuals and business owners as well as high risk and uninsurable “impaired cases.” Steven offers concierge life insurance process to ensure the policy is approved as it’s quoted. To learn more, visit his website, read his blog, connect with him on LinkedIn, or request a policy audit today by calling his office at (866) 633-1818 or by email at


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