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Aerial view of airport. Airplane taxiing to runway before take off.It’s the Holiday Season! Many people pack their bags and head to the airport, drive cross country, even get on a cruise. The offices are closed, businesses aren’t as busy (except for retail of course), and people want to take a break from the stress of the daily grind, to relax and get ready for the year to come. And there are those who travel to see their family, friends, and loved ones. It really is a busy time of year for the travel industry, and if you aren’t an experienced traveler, you could face some headaches of your own trying get to where you’re going through all of the craziness. Where will you be traveling? Are you traveling to a family holiday, or a nice getaway? Please comment below, as we would like to share some travel tips to help make your travels this holiday season as stress-free as possible.

Book Early

Not many people start thinking about their holiday travel plans in June, however, if you want the best price, then it’s time to start planning ahead! Airline prices typically increase at a slower rate, going up and down narrowly from June to November. But, once November comes along, prices skyrocket. Travelers waiting to book their tickets in November and December can pay up to 50% more for their ticket than at any other time of year!

Try Different Airports and Airlines

When booking a flight, try to include multiple airports in your area, as well as in your destination city. Some airlines have different flight times at different airports, so you may be able to find a flight that better matches your schedule. Also include different airlines to see the different times and prices. You may find a flight that is a lot cheaper, and get a better deal by keeping your options open.

Pack Light

Airlines are becoming increasingly strict when it comes to luggage. With checked bag allowances, weight limits, packing light could save you time and money. You also won’t have to wait for your luggage on a conveyor belt, battling a crowd of 100 people. Plus, if you are driving a long distance, you could get better gas mileage as well, since your vehicle may be lighter. Are you bringing presents with you? Purchase gifts online and have them shipped to your destination to cut down on luggage.

Leave Early

Don’t be in a rush when dealing with crowded airports. There is only one speed, slow. So give yourself enough time. Bring some reading material or something to keep your mind busy in the event of long lines or weather delays. Even de-icing the plane can take up to an hour.

Have Your Car Checked

The last thing you need when driving across the country, is your car to break down. It’s enough of a nuisance to have your car fall apart when you are home, but when you are in the middle of nowhere, with no one nearby, it could quickly turn into a nightmare. Have your oil checked, tires, brakes, etc. It’s always good to pack a winter safety kit in the event you do break down. It could be hours before help arrives, so make sure you have blankets, flashlights, water, food, etc.

Travel Early in the Day

When traveling by airplane, flights that leave earlier in the day are less likely to be delayed or late. Also, if your flight does happen to be delayed or cancelled, you will have time to book a flight for later that day, rather than having to wait until tomorrow, and having to find a hotel nearby to stay the night.

Take a Deep Breath!

Traveling can be overwhelming, especially when you have the kids, grandparents, and a whole ton of luggage to look after. So just take a deep breath, and try to remember that this is the time of year to be happy and cheerful. A delayed flight, or traffic jam will pass, enjoy the time while you can!

Traveling Internationally?

If you are traveling abroad for the holidays, don’t forget to secure your trip with travel insurance. Unexpected events can happen at any time, complicating even the most meticulously scheduled travel plans. An allergic reaction, broken bone, sprained ankle, food poisoning, or other mishaps can turn a fun, relaxing trip, into a nightmare of hassles. Get proper coverage so you can fully enjoy your holidays, stress-free!

Before setting off on your next adventure, call MHG Insurance Brokers at +1 954-828-1819 or +44 (0) 1624 678668 or visit us online at mhginsurance.com to obtain trip cancellation and travel insurance, along with other insurance plans that will make your trip an exciting, hassle-free experience! MHG Insurance Brokers hopes that you arrive and return safe and sound.

Are you traveling to a family holiday, or a nice getaway? Use these tips to save a yourself a headache!

fort lauderdale intracoastal, beach in the backgroundIt’s that time of year! The Fort Lauderdale International Boat Show is right around the corner. With so many people expected to travel to South Florida for the show, you can expect an increase in accidents, illnesses, or any reason that would cause a trip the doctor or hospital. But for those that don’t have medical insurance with proper coverage while in the U.S, a minor accident could turn into a major headache. Especially given the fact that travel insurance is so affordable! Here are several reasons to make sure you have sufficient health insurance coverage during your travels for FLIBS.

The High Cost of Medical Care

There are places around the world that have government sponsored, affordable or free healthcare. While the U.S. has recently attained a government sponsored healthcare system, many would argue that it is anything but affordable for those who don’t have coverage. So whatever health care plan you have in your home country, likely will not work in the U.S. But better to be safe than sorry, and up with a medical bill that’s a few thousand dollars. For example, accidents happen, and you unfortunately fell and broke your leg while walking down the stairs of your hotel. The total cost of treatment could be as high as $2,500 without health insurance coverage. And if surgery is required, you’re looking at a total cost that could be over $15,000.

Accidental Death and Dismemberment

Accidental Death and Dismemberment is essentially a fancy way of saying life insurance. You go through the similar process in selecting a beneficiary to receive a benefit in the event of your death or dismembering injury. No matter where you are traveling, it is a good idea to protect yourself and your loved ones in the event something happens to you.

Medical Evacuation/Repatriation

Even though the United States has some of the best medical facilities in the world, it is possible that you may need to be medically evacuated to your home country in the event of a serious injury. Being medically evacuated from the U.S. can cost hundreds of thousands of dollars. I think that is a good enough reason to make sure you’re covered. Also, in the event you pass away on your trip, repatriation should cover or assist in the returning of your remains to your home country. Otherwise, your family could be left to foot the bill of transporting your remains back home, which could be quite expensive.

24/7 Assistance

Many travel insurance companies offer a 24/7 hotline that you can call in the event something has happened to you, you’re lost, or help with any travel details. This can be even more helpful if the language spoken in the country you are visiting isn’t the same as your native tongue.

We hope to see you at the show this year! Visit us at the Oasis Lounge or in the USSA American Pavilion Booth #826. We hope that your trip is perfect, and that you never have to actually use your travel insurance. However, if you do, read our previous blog, “How to File a Travel Insurance Claim,” for help when having to file a claim. If you are interested in purchasing travel insurance, please contact our specialists at +1 954 828 1819 or +44 (0)1624 678668 or visit us at mhginsurance.com to help identify the right travel insurance plan for your particular situation. Have a great show!

Here are several reasons to make sure you have sufficient health insurance coverage during your travels for FLIBS.

10 Safety Tips for Travelers

Casual young woman sitting, using her cell phone while waiting to board a plane at the airport terminal waiting room.Don’t be afraid to travel alone. Traveling can be one of life’s greatest, must fulfilling experiences. However, there are some precautions to consider, and preparation you can do to ensure a safe and successful trip.

1. Research

Researching the area that you will be traveling to. It can assist you in learning the local customs and other ways that can help you blend in. It is also important to research the area in order to get a grasp of how to find your way around, such as learning major roads, landmarks, etc.

2. Don’t Over-Drink

Drinking too much alcohol can slow your reaction time and dull your senses. This can cause you to have a lapse in judgment that can put you in a really compromising situation.

3. Dress like the Locals

Depending where you are traveling to, there may be customary wardrobes for people. It’s important to blend in, and not draw too much attention to yourself.

4. Don’t Wear Expensive Jewelry

Wearing a lot of jewelry can make you a target, especially in unfamiliar places.

5. Register with the U.S. Department of State

Registering with the U.S. Department of State is one of the easiest and quickest tasks you can complete to help keep you safe when traveling. It only takes minutes to fill out a form, and the department will contact you if there is any news relating to your destination.

6. Make Copies of All Important Documents

Make copies of all important documents such as passports, tickets, reservations, boarding passes, etc. Keep them in a safe place in case the originals are lost. Also, you can take pictures of them and keep digital copies in your email, or in an online storage like Google Drive. This will allow you access to them as long as you have access to a computer or mobile device.

7. Consider a Money Belt

Theft can happen anywhere, but the last place you want to be stolen from is when you are away from home. Look into getting a money belt to carry cash in. If someone steals your purse or your wallet, you won’t be left completely stranded. It’s also important to mention that if your purse is taken from you, let it go and do not put up a fight.

8. Keep in Touch

Give someone back home a copy of your itinerary. Keep in touch with them by checking in regularly and letting them know you are okay. Also, keep them updated with any changes you are making to your itinerary.

9. Spend on Safety

Traveling on a budget is always a good idea, however there should be no budget when it comes to your safety. If you do not feel comfortable walking home at night, call a cab. If you are flying into a rough area, plan your transportation ahead of time from a trustworthy source.

10. Get Travel Insurance!

No matter how many precautions you take, accidents happen. There is no better preparation than getting the proper medical coverage no matter where you are in the world.

For more help when traveling overseas, read our previous blog, “Tips for Traveling Abroad.” We wish you safe travels along your journey. If you are interested in purchasing travel insurance, or have any questions or concerns, please contact us at +1 954 828 1819 or +44 (0)1624 678668 or visit us at mhginsurance.com. Our insurance brokers have the experience to assist you in selecting the right plan for you and/or your family for the best value.

Traveling can be one of life’s greatest, must fulfilling experiences. However, there are some precautions to consider, and preparation you can do to ensure a safe and successful trip.

tourist in luxury beach hotel near luxurious swimming pool at sunset, tropical exotic holidays vacation, tourism and travelMany people don’t consider buying a life insurance policy until a major life event such as getting married, buying a house, having a kid. While all of those are great reasons to purchase a life insurance policy, you should actually have a policy before any of those things happen. Yes, even if you’re single, with no dependents or assets to your name. 

1. Investment

One reason to get a life insurance policy when you are single is because it can be used as a long-term investment. Purchasing a Whole Life insurance policy can give you many options on what to do, such as being able to withdraw from the cash value of your policy much like a bank loan. Also, depending on the whole life policy you purchase, it can act as a savings vehicle. So, after a certain amount of time, your cash value will be higher than the amount you have paid, depending on where it has been invested. 

2. Funeral

Here’s a question that many may not want to ask or try to answer. Who is going to pay for your funeral? Funerals are expensive, and unfortunately, it is an expense that many don’t prepare for. Having life insurance that will include your funeral costs into the amount of your policy is a very smart thing to do. Caskets themselves can be thousands of dollars, and funeral total costs can easily exceed $20,000. 

3. Personal debts

If you should pass, who is going to pay for your debts? When you die, if you have any co-signed loans, the full responsibility of paying off the loan will be left to the person who co-signed that loan with you. Which in many cases could be your parents, spouse, kids, etc. It may be tough on them to worry about their debts and in the event of a tragedy all of a sudden have to worry about your debts as well, all while still mourning your loss. Having a life insurance policy can be used to pay off your medical bills, mortgage, credit cards, etc. 

4. Leave a legacy

It can be a good idea to purchase life insurance in order to leave a legacy. For example, if you are passionate about a charity, church, or group, you can leave them as the beneficiary of your policy, which I’m sure they will greatly appreciate and never forget. Also, you can do this if there is someone close to you that you would like to help out. Maybe a friend who is struggling and would refuse to accept any help from you. 

5. Cheaper to get a policy when you are young

If you plan on getting life insurance later in life or waiting until a life event such as the ones stated before, it may make more sense to go ahead and purchase a policy now. Waiting for one of these events can take years and years, and by the time you go to purchase a policy, the premium could be as much as two times as high as if you would purchase it now. That is because the younger you are, the less expensive the premium is, because you are not viewed as a high risk. Also, another great thing is that your premium should be locked in at that price for the length of the term or for your life depending on the type of policy you get. So, in essence, you could be saving yourself money in the long run, by spending a little extra now. 

If you are interested in purchasing life insurance, or have any questions about your policy, or which policy would be best for you and your family, contact us at 954-828-1819 or visit us online at mhginsurance.com. We have the insurance specialists to assist and advise you on the best coverage for you and your loved ones at every stage of life.

Yes, even if you’re single, with no dependents or assets to your name, you should still have a life insurance policy. Read more.

Shot of a newlywed couple looking out the window of a car and wavinghttp://195.154.178.81/DATA/i_collage/pu/shoots/784347.jpg“If there are any objections, speak now or forever hold your peace.”

“Wait they don’t have life insurance!”

Hopefully you don’t find yourself in this situation, and you already have a good life insurance policy in place. However, if you don’t have life insurance, it’s something you need to start thinking about it. After the honeymoon of course! Who knows, maybe you will say I do again... to life insurance. See what I did there? 

Protect Your Spouse

Unfortunately, death is a part of life that we all have to experience and plan for. Not all marriages are like “The Notebook” where you and your partner live into your golden years and pass away together in each other’s arms. Life insurance is designed with your loved ones in mind and plays an important role in your overall financial planning. If you have anyone depending upon you financially, you probably need Life Insurance even if you are young and healthy. For most, this financial responsibility begins when they either get married or have a baby. Have you thought how your family, or those you care about, would manage without you financially? The grieving process is hard enough, don’t let your better half also have to worry about how they will pay the bills or be able to afford the mortgage. In the event of your untimely death, you want to be reassured that your husband or wife will be financially secure in the event of your passing.

Invest in Your Future Together

Did you know that life insurance has other benefits besides providing a benefit to your beneficiaries? Certain policies such as a Whole Life policy can act as a way to save and invest money. In most cases, a Whole Life policy has a “cash value” that is invested and can earn as high as 5% interest. The cash value is calculated based on how much money you have paid so far in premiums, and after a certain amount of time, your cash value could be worth more than you have paid! Also, with a Whole Life policy, after a certain amount of time, you can cancel the policy and get back all of the money you have paid so far, and then some!

Lower Premium

Getting married, buying a house and having baby are life events that prompt us to buy life insurance but it’s really something you should be considering even if you have no assets or dependents. Did you know that in most life insurance policies, you have the same monthly premium for the duration of the policy? That means if you’re paying $50 a month, you will be paying the same amount for the life of the policy. Unless you increase your coverage, you are locked in to a set premium. This is important because as you get older, policies become more expensive. Typically, you can expect your premium to double every 10 years. Good enough reason to stop putting off purchasing a life insurance plan, right?

For more information regarding what life insurance options are available to you, read our previous blog, What Are My Life Insurance Options? If you are interested in purchasing life insurance, or have any questions, we’re here to help! Please contact us today at 954 828 1819 or visit mhginsurance.com. Congratulations and cheers to many years of wedded bliss!

After saying I do, consider investing in your future and protecting your spouse and future family with a life insurance policy. Read more!

successful indian businesswoman using laptop computer at airportLet’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.

The Unknown

People traveling abroad for business should have a good travel insurance plan for many reasons, especially for, the unknown. Emergencies can happen anywhere, anytime, and most of the time there is no way to prepare for them, especially when you’re out of the country. Suppose you get into an accident and need emergency medical attention? Maybe second nature made you drive on the wrong side of the road, not being used to the driving laws of another country.

There are many other scenarios that can happen requiring emergency medical attention. Obviously, this is just one reason to get travel insurance no matter if you are traveling for business or leisure. Another unknown factor that you cannot prepare for, yet is very common when traveling abroad, is food poisoning. Food poisoning, unclean water, parasites, and changes in diet make gastrointestinal issues one of the most common medical threats that travelers face. Without travel insurance in place, expenses for treatment can be costly.

Trip Cancellation

It could be a waste of money if you don’t have travel insurance with trip cancellation coverage. For those that think it doesn’t happen, what if there was an unexpected storm that cancelled your flight? There are a plethora of reasons that a trip can be cancelled, and not many reasons why you shouldn’t have coverage for it, even for business trips.

24 Hour Assistance

Being in a foreign country can bring a lot of questions. Not knowing where to go, who to talk to, how to talk to them, etc. Having a 24/7 assistance line can give you a peace of mind, once again letting you focus on your work, which is the most important part of a business trip. Also, many times when people travel for business, they are traveling alone. Knowing that you have someone to back you up and be there for you when in a foreign place can make things much easier on your mind as well.

Having proper travel insurance can help to limit your distractions and help you to have an efficient and successful business trip. Maybe having an eased mind will allow you to enjoy some of the sites while you are there! If you have any questions about your travel insurance plan, or are interested in purchasing a travel insurance plan for your next business or leisure trip please contact us at +1 954 828 1819 or +44 (0) 1624 678668 or visit us online at mhginsurance.com. MHG has the insurance specialists to assist and advise you, your loved ones, group, or business, on all of your insurance needs. Safe travels!

Having a proper travel insurance plan can help ease that stress and let you focus on having a successful meeting. Read more!

Happy family with cardboard boxes in new house at moving day.Are you in the market for a new home? If so, there are some important things you should be doing to prepare yourself, before and after your purchase. First and foremost, buying a home is one of life’s greatest financial accomplishments. Getting approved for a mortgage is a daunting task, and those 30-40 days of the approval process can feel like a lifetime. However, once you sign those closing documents, you feel a sense of pride and joy that you were able to whether the storm, and now you can start this next chapter of your life as a homeowner! Now, just because you are done with the paper work, doesn’t mean you shouldn’t be thinking of steps you need to take in order to protect your investment. Life insurance can do just that and provide all of the coverage you need given your newly acquired asset.

Before Buying a Home

Purchasing a home is a major life decision, one that comes with an enormous amount of planning, budgeting, saving, and often forcing one to make lifestyle changes in order to be able to complete the action. If you aren’t required to have a lump sum of money to use as a down payment, count your blessings. However, no matter what route you go, it will be a challenge if you don’t have a good credit score.

Once you have your strategy in place in terms of the type of loan you are going to use, the down payment amount, and a good enough credit score, the fun part will begin. Ask anyone who has gone through the process of getting approved, and many will agree it is one of the more stressful experiences someone can experience.

After Buying a Home

So, you’ve made it to the finish line, you are officially a homeowner! Now what to do? Before you start to think about investing into your property, fixing the kitchen or adding a pool, you need to think about investing in yourself and your loved ones. You’ve just gone through an extensive process and have probably taken on an extreme amount of debt. What happens to that debt or the responsibility of paying it off if something happens to you?

A life insurance policy is a critical necessity for anyone who has debts they do not want to leave to their loved ones. Do yourself and your family a favor and protect your new investment. For example, if you just bought a house with a 30-year mortgage that was $250,000, for starters you may want to consider a 30-year term life insurance policy with a $250,000 benefit.

Preparing for the Future

The strategy of protecting your investments and assets with life insurance is something that you should be using in every facet of your life, not just when buying a home. Especially if you have a family or dependents. If you are not sure the amount you need, the type of policy to get, or what you can afford, our insurance specialists are here to help!

MHG is here to assist you and offer any advice and help we can in this exciting time in your life. If you are interested in purchasing health insurance, life insurance, or have any questions please contact us today at 954 828 1819 or visit mhginsurance.com. We have the insurance specialists to guide and assist you in finding the best insurance options for you, your family, and loved ones.

Are you in the market for a new home? If so, there are some important things you should be doing to prepare yourself, before and after your purchase!

Winter Sports: Are You Covered?

Little boy skiing on a winter day. The happy boy aged 7 is smiling. Sunny winter day.
When you hear pizza and french fries, it’s unlikely that your initial thought is to go skiing. For those that don’t know, pizza and french fries refers to the way you position your skis. Point your skis together so they form a pizza shape in order to slow down, or keep them straight like french fries in order to go fast. Now you’re ready to hit the slopes!

The stress of the holidays are over, and we are in what is generally the coldest time of the year. The snow has built up and should now offer perfect conditions for an adrenaline rush skiing down a mountain. Many people take this time to go on a ski trip, or snowboarding trip, etc. So start dusting off your skis and jackets, and begin making checklists to make sure you pack everything. Including insurance coverage for winter sports!

Dangerous

It’s no secret that skiing and snowboarding can be a dangerous hobby. While moving down the side of a mountain at exhilarating speeds can be the time of your life, there is also opportunity for you to injure yourself. According to the National Ski Areas Association, skiing and snowboarding are responsible for 44.7 serious injuries per year.

Be Smart

While that may be a scary thought, it shouldn’t keep you from enjoying yourself! It should just make you wary and want to fully protect yourself. In order to help avoid injury, make sure you are wearing proper protective equipment such as a helmet and other padding. Take beginner’s classes if you are going for your first time, or need any refreshers if it has been awhile. Practice on easier slopes before trying to go on the more dangerous areas, and don’t try to “keep up” with those who may be much more experienced than you.

Coverage

If you are traveling abroad to go on a ski trip in the coming months, you should consider purchasing a travel insurance plan, if you haven’t already. In addition to travel insurance, you should also be looking to add coverage for extreme sports. Some travel insurance policies already include coverage for extreme sports, others you may have to purchase the extra coverage as an add-on to your current policy. Either way, it’s imperative that you look at your policy in order to determine if you will be covered for any medical attention that is needed from experiencing an injury while on the slopes. Here is a link to some more information of a plan that we offer here at MHG Insurance Brokers.

For more help on traveling abroad, read our previous blog, “Tips Everyone Should Follow When Traveling Abroad,” and don’t forget to pack your travel insurance! Not sure which plan is right for you? Speak with the insurance specialists at +1 954 828 1819 or +44 (0)1624 678668 or visit us at mhginsurance.com to help identify the right travel insurance plan for your particular situation. Safe travels and don’t forget, pizza and french fries!

Are you planning to take a ski trip in the coming months? Read more!

Car tires on winter road covered with snowIt’s the Holiday Season! Many people pack their bags and head to the airport, drive cross country, even get on a cruise. The offices are closed, businesses aren’t as busy (except for retail of course), and people want to take a break from the stress of the daily grind, to relax and get ready for the year to come. And there are those who travel to see their family, friends, and loved ones. It really is a busy time of year for the travel industry, and if you aren’t an experienced traveler, you could face some headaches of your own trying get to where you’re going through all of the craziness. Where will you be traveling? Are you traveling to a family holiday, or a nice getaway?

Book Early

Not many people start thinking about their holiday travel plans in June, however, if you want the best price, then it’s time to start planning ahead! Airline prices typically increase at a slower rate, going up and down narrowly from June to November. But, once November comes along, prices skyrocket. Travelers waiting to book their tickets in November and December can pay up to 50% more for their ticket than at any other time of year!

Try Different Airports and Airlines

When booking a flight, try to include multiple airports in your area, as well as in your destination city. Some airlines have different flight times at different airports, so you may be able to find a flight that better matches your schedule. Also include different airlines to see the different times and prices. You may find a flight that is a lot cheaper, and get a better deal by keeping your options open.

Pack Light

Airlines are becoming increasingly strict when it comes to luggage. With checked bag allowances, weight limits, packing light could save you time and money. You also won’t have to wait for your luggage on a conveyor belt, battling a crowd of 100 people. Plus, if you are driving a long distance, you could get better gas mileage as well, since your vehicle may be lighter. Are you bringing presents with you? Purchase gifts online and have them shipped to your destination to cut down on luggage.

Leave Early

Don’t be in a rush when dealing with crowded airports. There is only one speed, slow. So give yourself enough time. Bring some reading material or something to keep your mind busy in the event of long lines or weather delays. Even de-icing the plane can take up to an hour.

Have your car checked

The last thing you need when driving across the country, is your car to break down. It’s enough of a nuisance to have your car fall apart when you are home, but when you are in the middle of nowhere, with no one nearby, it could quickly turn into a nightmare. Have your oil checked, tires, brakes, etc. It’s always good to pack a winter safety kit in the event you do break down. It could be hours before help arrives, so make sure you have blankets, flashlights, water, food, etc.

Travel Early in the Day

When traveling by airplane, flights that leave earlier in the day are less likely to be delayed or late. Also, if your flight does happen to be delayed or cancelled, you will have time to book a flight for later that day, rather than having to wait until tomorrow, and having to find a hotel nearby to stay the night.

Take a deep Breath!

Traveling can be overwhelming, especially when you have the kids, grandparents, and a whole ton of luggage to look after. So just take a deep breath, and try to remember that this is the time of year to be happy and cheerful. A delayed flight, or traffic jam will pass, enjoy the time while you can!

Traveling Internationally?

If you are traveling abroad for the holidays, don’t forget to secure your trip with travel insurance. Unexpected events can happen at any time, complicating even the most meticulously scheduled travel plans. An allergic reaction, broken bone, sprained ankle, food poisoning, or other mishaps can turn a fun, relaxing trip, into a nightmare of hassles. Get proper coverage so you can fully enjoy your holidays, stress-free!

Before setting off on your next adventure, call MHG Insurance Brokers at +1 954-828-1819 or +44 (0) 1624 678668 or visit us online at mhginsurance.com to obtain trip cancellation and travel insurance, along with other insurance plans that will make your trip an exciting, hassle-free experience! MHG Insurance Brokers hopes that you arrive and return safe and sound.

It’s the Holiday Season! Which also means it's the traveling season. Read more for holiday travel tips.

Bills of euro, dollar and pound currencies, among others.Having life insurance should be a priority for everyone!

Life Insurance can be a topic that is difficult to plan for, and may be something you don’t want to think about. However, no matter what stage you are at in life, it should be a priority. If you are a young person just starting your career, now is the time to purchase a policy so you can lock in a lower premium. If you are a bit more established with children, what will happen to them if something happens to you? If you are about to retire and move to your dream house in the tropics, how will your spouse pay for the mortgage if the unexpected happens?

Questions to Ask Yourself

When purchasing a life insurance policy there are a plethora of things to consider; such as the amount of the benefit, the beneficiaries, and what actions are actually covered. One thing that may be assumed is that the coverage will be provided no matter where you are in the world. However, that is not always the case. For the most part, life insurance policies only provide coverage in the country they are purchased.

When purchasing life insurance, you should ask yourself questions such as:

· “How much coverage do I need?”

· “How long do I need coverage for?”

· “What type of policy should I purchase?”

· Who should be my beneficiary?”

Many people don’t think to ask themselves:

· “Do I have international coverage?”

· “Do I need international coverage?”

That latter set of questions can be crucial if you are a person who travels a lot. Retirees traveling the world, yacht crew, and cruise ship workers are just a few of the people who may need international coverage. Typically, if you are in a foreign country for 3 or more months, your life insurance will not offer the coverage if something were to happen to you. So if you are a world traveler, or hope to move to a foreign country one day, or are an expat who looks to settle down back home when you are done with your career abroad, it may be smart to look at your policy and see if you are covered.

MHG Can Help!

If being away from home for long periods of time applies to you, then international life insurance should be a priority. Deciding if you need the extra coverage is the easy part, now comes what type of policy is right for you!

A large number of our clients work internationally, and could greatly benefit from having an international life insurance policy. In fact, many of our employees are expats themselves, and have personal and professional experience that can be used to assist you. It should also be noted that the price for international coverage policies are usually comparable to those that don’t have international coverage.

There are many things to take into consideration when making the decision of which type of policy is best for you, your family, or loved ones. For help trying to figure out which policy is best for you, read our previous blog, “What Are My Life Insurance Options?” Are you interested in purchasing Life Insurance or International Life Insurance? Would you like some more information regarding Life Insurance options that are available to you? Would you like to ask some questions to a Life Insurance expert? If the answer to any of these questions is yes, please contact us 954-828-1819 or visit us online at mhginsurance.com and talk to one of our insurance specialists for help in selecting Life Insurance and other coverage to ensure that you and your loved ones have the protection you need at every stage of life.

Life Insurance can be a topic that is difficult to plan for, and may be something you don’t want to think about. Read more!