UNFCU Financial Advisors and Clements International Inc. have developed a combined term life and personal accident insurance product for customers who will be going to high-risk countries such as Iraq and Afghanistan.

UNFCU, a unit of the United Nations Federal Credit Union, Long Island City, N.Y., and Clements International, Washington, will be offering the program to members of the credit union.

The program covers both natural and accidental death, and it includes coverage for losses resulting from terrorism.

Credit union members can buy the term life coverage on its own or together with the personal accident insurance.

Benefits limits range up to $1 million.