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The Military Humvee

The military’s light service vehicles were a hodgepodge of outdated models before the Army drafted specifications for a new vehicle in the 1970s. Its off-road abilities helped the Humvee (High Mobility Multipurpose Wheeled Vehicle) become a fixture on the battlefield.

AM General adapted the Humvee into several variants including ambulances and troop transports, and even a top-mounted 105mm cannon and TOW anti-tank guided missile turret. Contact Street Legal Exports now!

The Humvee’s origins can be traced to the 1970s when the Army realized that it needed a better vehicle than the Jeep to keep up with new weapon systems and battlefield tactics. In 1979, it put out a request for proposals to manufacturers to create prototypes of a ‘jack-of-all-trades’ light tactical truck that could perform the roles of several existing trucks. AM General, Chrysler Defense, and Teledyne Continental all submitted vehicles, and by 1981 the Army had chosen AM General’s HMMWV—more commonly known as the Humvee.

Since then, the HMMWV has become one of the most prevalent military vehicles in the world. It largely replaced the roles of older Military light utility trucks such as the Vietnam-era M151 1/4-short-ton MUTT and M561 Gama Goats, their ambulance versions, the Commercial Utility Cargo Vehicle (CUCV), and other light vehicles. Its widespread use in the Persian Gulf War, where it negotiated treacherous desert sand with ease, also helped inspire the civilian Hummer automotive marque.

The newest version of the Humvee, the Joint Light Tactical Vehicle (JLTV), will eventually replace the aging fleet of HMMWVs currently in use. However, it is not expected to arrive until 2019. In the meantime, Marines will continue using Humvees on patrol and outside the wire, but only if they’re up-armored with extra armor and a V-shaped hull to deflect roadside bombs.

TECHNOLOGY

AM General engineers, manufactures and supports specialized vehicles for military customers. Its advanced products are based on extensive research and development, including revolutionary soft recoil technology for mobile platforms and hybrid electric drive systems that offer improved performance and situational awareness.

AM General is bringing its expertise to the next-generation of defence vehicles, helping them become more intelligent, safer and more capable of meeting evolving threats. Its latest vehicle offers augmented vision capabilities that allow operators to see what’s in front of them through their windscreens. This gives them full battlefield situational awareness and allows them to drive at night or through dust storms, for example.

The AM General HUMVEE SABER light tactical vehicle redefines survivability in a true light combat vehicle. It has 360 kinetic energy threat protection; under-vehicle blast threat protection; and a number of features that make it safer and more manoeuvrable in the battlespace, such as floating and transparent armor.

AM General is also focusing on electrifying military land vehicles to help them operate more reliably and cut carbon emissions. The company has entered into a strategic collaboration with QinetiQ to accelerate the development of electric-powered military land vehicles.

COMFORT

Unlike dolled up Chevy Tahoes and Trailblazers, the military humvee has no air conditioning and limited back support. However, these are just a few of the ways in which this vehicle is designed to be as functional as possible, without any unnecessary bells and whistles.

The Military Humvee is equipped with a variety of external threat detection systems to protect its occupants in diverse operational environments. These safety measures work seamlessly with other vehicle security mechanisms to provide a holistic approach to security.

For example, Emergency Brake Assist detects abrupt brake usage and triggers additional braking force to shorten stopping distances and reduce the risk of collisions in critical situations. Additionally, Engine Compartment Fire Protection helps to minimize the risk of catastrophic damage by isolating and controlling engine-related incidents.

Redundant systems for reliability ensure that the Humvee can perform at its best in various conditions. For instance, Backup Power Supply kicks in seamlessly during power failures to prevent the loss of key vehicle functions. Meanwhile, Tire Pressure Monitoring Systems continuously monitor tire conditions to prevent blowouts and keep vehicles operational.

PROTECTION

Since its inception, the Humvee has received mixed reviews. Though it was a workhorse in the early days of the Iraq war, the vehicle was not designed as a combat vehicle and lacks significant armour. This leaves the soldier manning the exposed crew-served weapon on top of the vehicle vulnerable. Many HMMWVs have been fitted with basic gun shields and turrets to keep soldiers safer.

However, the added protection of these systems can also weigh vehicles down, making them less manoeuvrable and reducing their agility. In a high-tech conflict, that could be a dangerous combination.

NPR’s Martin Kaste reports that some commanders are rethinking the Humvee, and even the 25-ton Strykers, 40-ton Bradleys and 70-ton M1 Abrams tanks that fill out the U.S. military’s arsenal.

They are looking for more agile and lighter vehicles that provide the same level of protection as these heavier vehicles. They want vehicles that are more flexible and can replace multiple types of trucks.

But the Humvee’s manufacturer, AM General, says it may be time to rethink that. Its new JLTV vehicles may not go toe-to-toe with a near-peer adversary, but the company believes it can still fill a role as “a tactical mobility platform.” And unlike the MRAPs, the JLTVs don’t have circuitry that an enemy could hack with malware or fry with directed microwaves.

Light Military

The Humvee is a light military truck that carries people and supplies from point A to point B. It can be slung by helicopter, dropped by Low Altitude Parachute Extraction systems, or packed into a C-130 Hercules transport aircraft. Its 44 interchangeable parts make it easy for mechanics to fix problems on the go. It can also evade detection and travel long distances on highways and in the desert.

The Army began searching for a better vehicle to carry infantry and cargo after the 1970s when it realized that its M151 Jeeps and M561 Gama Goats fleet was out of step with evolving weapons and tactics. They wanted a jack-of-all-trades that could perform the roles of several existing vehicles on a single chassis.

AM General was commissioned to develop prototypes of a new, high-mobility wheeled vehicle that would eventually become known as the Humvee, or HMMWV. The military version was designed to replace the aging Jeep, and it became a fixture of half a dozen US interventions, from Operation Just Cause in Panama to the Battle of Mogadishu in 1993. Its drawbacks, however, were exposed in Iraq and Afghanistan, where roadside bombs destroyed the minimally armored models.

Design

The HMMWV, commonly known as the Humvee, is one of the world’s most versatile light military vehicles. It can be configured with a variety of weapons systems and can withstand extreme conditions, including rocky hills, deep sand, and desert heat. It can also be slung from helicopters and carried in C-130 Hercules transport aircraft.

The original HMMWV was designed as a replacement for Jeeps and light trucks, and in that role it performed very well. The design features a low profile and wide stance, which make it very stable on treacherous terrain. The vehicle can also travel over 60 inches of water and has a maximum speed of 70 mph.

The HMMWV has also been adapted for a number of special missions, including search and rescue and medical evacuation. It can also be modified to carry a number of different weapon systems, including the Boomerang anti-sniper system. Currently, the military is preparing to replace the Humvee with a new vehicle called the Joint Light Tactical Vehicle (JLTV). The JLTV will be more effective than the current Humvee, but it’s not perfect.

Performance

The Humvee is designed to perform in a variety of terrain conditions. It is capable of fording 2.5 feet of water and climbing a 60 percent slope. Its traction control system ensures that the vehicle remains upright and does not roll over during these difficult maneuvers. The vehicle also features a full-time four-wheel drive system, locking differentials and a central tire inflation system.

Military Humvees are designed for serious power, but they do not come with the luxury and comfort that you might expect from a civilian vehicle. They lack air conditioning and a stereo, and the seats are minimal in size. However, they are incredibly durable and can tackle nearly any off-road obstacle.

One company, Banks Power of Azusa, California, took a military HUMVEE and applied their engineering expertise to it. The result is a Humvee that has increased horsepower from 190 to 245 and torque from 365 to 465 lb-ft. This increased performance allows the vehicle to go from 0-60 in 21 seconds, significantly improving its performance over the stock Humvee. Its new brakes cut the braking distance from 307 to 247 feet, making it much safer on hills.

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What You Need to Know About Life Insurance

Life Insurance Anderson policy pays a specific amount called the death benefit to beneficiaries when the insured dies. These payments are tax-free. Life insurance can also help with other financial goals, such as reducing debt and funding children’s educations.

It’s important to select the right beneficiaries for a life insurance policy. A fee-only financial advisor can help you make these choices.

The death benefit is the amount of money that a life insurance policy pays to your beneficiaries when you die. It’s typically paid in a lump sum. However, you can choose a cash-value option that allows you to access the money in smaller increments, as needed. The amount of the death benefit is determined when you sign up for a policy and is based on a number of factors, including your age and health. You can also choose to name multiple beneficiaries and have them split the payout.

If you are in poor health, you may be able to purchase a smaller death-benefit rider for a higher premium. A financial advisor can help you determine the size of a death benefit that’s right for your family’s needs. It’s also important to understand how a life insurance death benefit works before you buy one.

Many people use a life insurance death benefit to pay off their mortgage and other debts when they die. They can also put the money into savings or investments. There are a few ways to receive the payout: a lump-sum, an accelerated death benefit, or a retained asset account (RAA). Beneficiaries might have to pay income taxes on the money they receive.

A surviving spouse or children can usually take the lump-sum death benefit to cover living expenses, pay off a mortgage, and invest the rest. They might also need to use the money to pay for funeral costs and other final arrangements. Using a lump-sum to pay off high-interest credit card or student loan balances is another common use of a life insurance death benefit.

Life insurance death benefits are paid out to the beneficiary when the policyholder dies, or after a specified time period has passed. Most term life policies have fixed death benefits, while whole life and universal life insurance policies allow the owner to adjust the face value of a policy within certain parameters.

Some whole life and universal life insurance policies also include an accelerated death benefit. This option allows you to receive some of your death benefit if you are diagnosed with a terminal illness or if you are unable to perform two of the six activities of daily living.

It has a contestable period

A contestable period is a part of life insurance policies that allows insurers to question claims made by policyholders within two years from the date of their coverage. This two-year period helps prevent fraud by allowing companies to verify whether or not the information they receive is accurate. If they find a misrepresentation on an application, they may be able to deny the death benefits and rescind the policy.

Life insurance applications ask many questions about the applicant’s health, lifestyle, and job to help determine the risk associated with a policy. This information is used to calculate the premiums and assess the likelihood of a claim being made. This is why it’s important to be honest on the application. However, people sometimes make mistakes or lie on life insurance applications. In some cases, these mistakes could have serious consequences. Insurance companies must carefully screen all applications to ensure that they are receiving accurate information and are providing the best coverage for their customers.

The two-year contestability period allows insurance companies to investigate a death claim to ensure that the information they received from the deceased was accurate. If the company finds that a claim is fraudulent, they can rescind the policy and return any premiums paid to the beneficiaries. However, they are not obligated to do so in every case, and the investigation process can be time-consuming.

While the two-year contestability period helps insurance companies prevent fraud, it can also be difficult for families who are grieving for the loss of their loved ones. The life insurance claim process can be lengthy and stressful, especially if the beneficiary has to wait for their payout. Fortunately, there are ways to reduce the stress of dealing with life insurance claims.

It’s important to note that the contestability period is different from the suicide clause, which is a clause in life insurance policies that excludes the coverage of deaths caused by suicide, typically for the first two years. If a person conceals information on their life insurance application and dies of suicide in the first two years, the life insurance provider can contest the claim and deny the payout.

It has a grace period

A grace period in life insurance is a window of time following your premium due date that allows you to pay your premium and keep your policy in force. The length of the grace period is regulated by state laws. The purpose of the grace period is to prevent a situation in which the insurer doesn’t receive your payment on time, but still has to pay providers for services rendered.

It may seem unlikely, but it’s not uncommon for people to miss a premium payment. The reasons can be as simple as forgetting, or more complicated, like a billing error, lost check, or bank miscommunication. If you don’t pay your premium by the deadline, your life insurance will lapse and the death benefit won’t be paid to beneficiaries. However, if you can catch up on payments before the expiration of your grace period, it’s possible to reinstate the policy. Each company has its own guidelines, but generally, you’ll have to submit a reinstatement application and pay the overdue premium plus interest.

Although it’s tempting to skip the life insurance premium, the best way to avoid a lapse is to set up automatic payments to ensure that you don’t miss your annual due date. It’s also important to maintain updated contact information and to prioritize the life insurance premium in your budget alongside other essential expenses, such as mortgage or rent.

Many life insurance policies have a built-in grace period that gives you a little bit of leeway on the premium due date. The exact duration of this period will vary by policy, but it is usually around 30 or 31 days. The life insurance company will usually notify you about the grace period stipulations in your policy document. In addition to this, some companies will require a reinstatement application and possibly a new medical exam after the grace period has expired. The policyholder must also pay a stipulated late fee, which is typically equal to the amount of the overdue premium. Some life insurance policies will even deduct the late fee from the death benefit.

It has a lapse period

Buying life insurance is an excellent way to provide peace of mind and financial security for your loved ones. However, a lapse in your life insurance can have serious consequences for your family. This can result in a loss of death benefits and a significant cost increase to buy a new policy. Fortunately, there are steps you can take to avoid a lapse and prevent the need for costly reinstatement. First, make sure to open any correspondence from your insurer promptly. This could help you avoid missing a grace period notice, which can give you enough time to renew your policy or pay any past-due premiums. In addition, it is important to review your policy annually and ensure that you are paying for coverage that you still need.

A life insurance lapse can occur when you miss a premium payment or if the cash value in your policy is exhausted. A lapse is different from a surrender, which occurs when you intentionally end your life insurance policy. In most cases, a lapse is not a problem and you can easily reinstate the policy if you catch up on your payments.

To keep your policy from lapse, you should consider setting up automatic payments to avoid late fees and missed premiums. This can be done through your bank account or directly with the insurance company. You should also set reminders to review your policy and check the expiration date. Choosing a term life policy with a no-lapse guarantee may be beneficial if you want to avoid lapsing.

When your life insurance lapses, you will have to reinstate it by filling out a reinstatement application. This will usually require you to provide proof of insurability, including paying any outstanding premiums and interest. You will also need to submit a health questionnaire and undergo a medical exam. Depending on your health status, the insurance company may or may not approve your reinstatement request. If the company does not approve your reinstatement, you will need to purchase a new policy.