Last Frontier - Alaska!!

[GreenSky]

As far as extra risk, I understand that there are fewer women in Alaska then men. So that should mean the roads are much safer.

Just to be clear, SAI said that and I'm just reporting. He's the sexist pig.

Rick

 

[charliefoster]

From the P&C side home owners claims from grizzly bears raiding a cabin, automobiles totalled from running into moose on the highway, avalances, earthquakes, roof collapses from snow, etc. From a life insurance standpoint how does the underwriting go for a snowmobiler, dog sledder, trapper hunter, or anyone living the frontier life style. How about health insurance for someone in a remote village with the nearest doctor or hospital 200 miles away. That is the stuff I am thinking about.

I work for a captive company. We do most everything except health ins....other than brokerage. As far as life....we don't get asked anything for "frontier life". As for auto, yes moose do have a "impact" on rates a little.

As far as extra risk, I understand that there are fewer women in Alaska then men. So that should mean the roads are much safer.

Just to be clear, SAI said that and I'm just reporting. He's the sexist pig.

Rick

That's funny!!!

 

[scagnt83]

I have a life insurance client up there that has to fly out to Alaska's North Slope (the northernmost point in the US and very remote and desolate) on a regular basis.

Fortunately I think she downplayed the risk a bit in the telephone interview... she always describes it as "no big deal" ... lol.

 

[charliefoster]

From the P&C side home owners claims from grizzly bears raiding a cabin, automobiles totalled from running into moose on the highway, avalances, earthquakes, roof collapses from snow, etc. From a life insurance standpoint how does the underwriting go for a snowmobiler, dog sledder, trapper hunter, or anyone living the frontier life style. How about health insurance for someone in a remote village with the nearest doctor or hospital 200 miles away. That is the stuff I am thinking about.

Life insurance questions don't ask about the "frontier life". Moose vs auto don't seem to "impact" the auto rates to much. Homes have some risk but the worse part is they take years to finish building the home making it hard to insure.

I don't sell health insurance except through our brokerage dept.

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I have a life insurance client up there that has to fly out to Alaska's North Slope (the northernmost point in the US and very remote and desolate) on a regular basis.

Fortunately I think she downplayed the risk a bit in the telephone interview... she always describes it as "no big deal" ... lol.

Flying to the north slope is "no big deal". It's nothing worse than from Seattle to Portland.

 

[xrac]

Life insurance questions don't ask about the "frontier life". Moose vs auto don't seem to "impact" the auto rates to much. Homes have some risk but the worse part is they take years to finish building the home making it hard to insure. I don't sell health insurance except through our brokerage dept.
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Flying to the north slope is "no big deal". It's nothing worse than from Seattle to Portland.

How about fires from wood burning stoves?

 

[senior-advisor-indiana]

Life insurance questions don't ask about the "frontier life". Moose vs auto don't seem to "impact" the auto rates to much. Homes have some risk but the worse part is they take years to finish building the home making it hard to insure.

I don't sell health insurance except through our brokerage dept.

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Flying to the north slope is "no big deal". It's nothing worse than from Seattle to Portland.

I bet snowman insurance is cheap there...

 

[Bob Klee]

Beautiful country you live in!

Someday, I hope to complete an item on my bucket list: To fly a private plane & explore this beautiful state!

Best of luck to you.

 

[charliefoster]

Beautiful country you live in!

Someday, I hope to complete an item on my bucket list: To fly a private plane & explore this beautiful state!

Best of luck to you.

Bob,

Thanks! You are welcome anytime. I might even be able to get you that flight too.

I also want to thank you Bob for your crew at HTQ. They are the best and give great tips for the business!

Charlie

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How about fires from wood burning stoves?

That is a risk but people are good about cleaning out the stoves.

 

[scagnt83]

Flying to the north slope is "no big deal". It's nothing worse than from Seattle to Portland.

The distance might be no different... the weather, airplane, & landing strip are all very different...

Flying in a twin engine Cessna into one of the most inhospitable climates in the US is not the safest thing in the world. jmo

 

[Bob Klee]

The distance might be no different... the weather, airplane, & landing strip are all very different...

Flying in a twin engine Cessna into one of the most inhospitable climates in the US is not the safest thing in the world. jmo

If a twin engine Cessna it is pretty old technology as the last year they made a twin was 1985. But many of the planes flown in Alaska are single engine...both Av-Gas & turbo-props. The majority of which are pretty old model/designs. But a new Cirrus/Cessna TTx would not do well in the back country

But these older planes are very well maintained & do quite well there. I'd like to earn my float rating on a plane in Alaska. I've actually looked into it & could easily do it in a week from what I've read. Some of the best pilots in the world fly in Alaska. It is amazing the skill set they have to get into/out of some pretty tight places. Plus the weather there changes so fast! They have my utmost respect!