MHG Insurance Brokers Blog

Yacht Crew Insurance Options While You Are Between Jobs

yacht crew insurance optionsThere are two words no one ever wants to hear, you’re fired! Those words usually carry a little more sting hearing them from your boss rather than Donald Trump. Being part of a yacht crew and losing your job can make for one mess that most people don’t look forward to. Whether you were fired, laid off, quit, or are transitioning to a new job, having insurance coverage through the process may not be the first thing on your mind. Typically with loss of employment comes loss of insurance. Maybe you didn’t realize that you lost your coverage in this process. If that is the case, don’t worry, there are three options you can chose from if you find yourself in this situation. Let’s break them down. Continue reading

Travel Insurance is Essential for Your Next Business Trip Abroad

Business travel InsuranceLet’s face it, traveling for business can be stressful. From packing and putting the final touches on your presentation, to worrying if you’ll make your meeting on time, there is a list a mile long of different scenarios, to-dos, and unexpected events that are sure to raise anyone’s blood pressure!

Travelling internationally can add an additional layer of stress as well! With so many things on your mind, the last thing you need to worry about is uncertain travel details and what-ifs. Having a proper travel insurance plan can help ease that stress and let you focus on having a successful meeting. Continue reading

Kriss Lane Joins MHG Insurance Brokers as Operations Assistant

Kriss Lane

Isle of Man (March 24, 2015) – MHG Ocean Benefits Ltd, which trades as MHG Insurance Brokers, announced today that Kriss Lane has joined the company as Operations Assistant. In this newly created position, Lane will provide operational support to the Operations Director in addition to providing assistance to the Underwriting and Claims Teams as needed. Continue reading

Attracting & Retaining Employees – The Strategic Value of a Rolling Benefits Strategy:

employee benefitsAttracting and retaining a talented, committed workforce is crucial for employers. Research shows that employees’ attitudes toward their health and retirement benefits are correlated with their employment choices, as well as with their levels of commitment and engagement. Employers that are able to target their benefit package to attract and retain their employees gain a valuable competitive advantage. Continue reading

Can I Borrow Against My Life Insurance Policy?

borrow money against life insuranceHave you ever needed to borrow money? Chances are that you have. At some point in life, everyone finds themselves in a situation where they may need to take out a loan, borrow money from their parents, dip into their savings, etc. It’s part of helping yourself get squared away, or getting to the next level, or maybe even just to stay afloat. Many don’t want to put themselves into debt, and sometimes there is no other option. But what if I told you that you can borrow money from your Life Insurance policy? Now do I have your attention? Continue reading

What is Precertification?

precertificationHave you ever made an appointment for a medical procedure, and when it came time to pay, you found your insurance carrier doesn’t cover the procedure like you had originally thought? By that time it is too late, and there will likely be a big hole in your bank account. There are steps you can take to be proactive in trying to avoid this situation, and it all starts with precertification! For those that are unfamiliar with the term, don’t worry, we are going to break it down for you. Continue reading

What is “Cadillac Tax?”

cadillac taxThe implementation of the Affordable Care Act, also known as Obamacare, has spawned a new way of how we do business here in America, at least when it comes to health insurance. New taxes, new rules, new plans, it’s only normal that many will have a difficult time understanding and grasping it all. Over the last few years, we have been asked every question imaginable when it comes to the new health care law and the changes that will take effect. So much so that we know it like the back of our hand! Yet, there is one question we haven’t been asked that some employers should be thinking about. What is the Cadillac Tax? And no, it has nothing to do with driving a shiny black Escalade. Unfortunately it has nothing to do with our employers buying us all new cars either. Continue reading

Travel Insurance for Cuba?

cuba travel insuranceSpanish, cigars, and sangria, just a few things the fairly mysterious country of Cuba is known for. This small island is rich with history and culture, and thanks to new laws that have been passed between Cuba and the United States, many will now be able to learn and experience everything this island has to offer first hand. The best part is, you won’t have to go uninsured either. Just in case you didn’t know, the United States government has restricted travel to Cuba since the 1960’s, ever since Fidel Castro came to power. So even though the borders aren’t fully open to American citizens, this is the first time in over 50 years that many will have the opportunity to experience Cuba in a way that wasn’t even an option before. Continue reading

Your Life Insurance May Not Have International Coverage

International Life InsuranceDo you have Life Insurance? It’s a question that many don’t want to think about for obvious reasons. Some believe that Life Insurance isn’t a priority because they procrastinate, or are waiting until a life changing event that will motivate them purchase a policy. It’s a fact, the benefits that a good life insurance policy can supply your family and loved ones are too good to pass up. Many people have life insurance and believe that they have coverage until the day they die. However, in some circumstances that is not the case, and it’s not because your term life policy expired. So maybe a better question would be, do you have International Life Insurance? Continue reading

Expat Checklist Before the Big Move

Expatriate ChecklistTaking the leap and becoming an Expatriate can lead to an overwhelming wave of emotions. From excitement, to scary, to nervous, to anxious, even nostalgic, knowing that you are leaving your home to start a new life in a new place will give you a rush one way or the other. Deciding to become an expat is step one of a long list of things to take care of before you set sail on your new adventure. So use this Expat Checklist when organizing, packing, and scheduling everything that needs to be done before your big move! Continue reading

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