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Expat Insurance Quote Options

Expat Insurance Quote OptionsMoving to another country can be the exciting adventure of a lifetime. Whether you will be pursuing your studies during a semester abroad or relocating more permanently to further your career, it is imperative that you have a health insurance policy that provides coverage in the country where you will be residing. In certain cases, you may qualify for the national health plan of your host country, but the majority of travelers will need to obtain expatriate health insurance coverage. 


If this is your first time purchasing an international health insurance policy, the process can be a little confusing so we have provided these expat insurance quote options to help you on your way.

  1. Research the health insurance requirements of your destination country

    A number of countries will not let you relocate unless you have health insurance coverage in place, and some require specific coverage, such as medical evacuation coverage or repatriation of your remains if you should die. Research the requirements for your destination country well in advance of your move date so you have time to investigate various plans, obtain the necessary coverage, and submit any required documentation. Good places to start your research include your employer and your home country’s governmental department regulating international travel (U.S. citizens should consult the U.S. State Department).

  2. Consider your needs

    If your work or recreation plans include travel to other countries, your international health insurance plan will need to include coverage for those destinations as well. In most cases, the simplest option is to choose worldwide coverage, so you do not have to reapply each time you cross a border. You may want a plan that includes coverage in your home country as well; many expats prefer to return to their home country for serious operations and to give birth. If you intend to participate in sports or hazardous activities, you may need to purchase a rider on your policy to ensure any injuries are covered.

  3. Buy before you leave

    Medical underwriting for international policies is not instantaneous; it can take anywhere from several days to several weeks for approval. Make sure you begin the application process early, or you could arrive at your destination only to discover that your application for expatriate health insurance coverage has been declined.

  4. Read your policy carefully

    Reading the schedule of benefits, usually found on the first three to five pages of an expat policy, will give you a valuable overview of your coverage, deductibles, benefit limits, and any co-pays or co-insurance. It is just as important to read the limitations and exclusions, however; riders and additional coverage can be purchased for some excluded injuries, conditions, or activities, as long as you make provisions ahead of time.
Trying to find expatriate health insurance coverage on your own can be a daunting task. At MHG, many of us are expats ourselves, and we are well-acquainted with the needs of individuals living and working around the globe. Our Insurance Specialists have the experience, knowledge and access to multiple international insurance carriers to find you the most suitable plan based on your budget and future plans, whether you are looking for International Health Insurance, Expatriate Disability Income Insurance, or Life Insurance. At MHG Insurance Brokers, our commitment to your well-being does not end once you have purchased a plan; through our "Concierge Broker Service”, we will continue to assist you with questions about your policy and provide assistance throughout the claims process. 
  

Before you relocate to another country, call MHG Insurance Brokers at +1 954-828-1819 or +44 (0) 1624 678668 or visit us online at mhginsurance.com for help finding the expatriate insurance coverage you need!


Expat Insurance Quote Options

5 Tips for Coping with Jetlag

5 Tips for Coping with JetlagThe Monaco Yacht Show opens later this month, giving yachting professionals and enthusiasts from around the world the chance to connect as they experience the best the yachting world has to offer. Whether you are a yacht captain, crewmember, or one of the many builders, designers, brokers, buyers, and other marine professionals who make MYS the world’s most prestigious yacht show, you need to be in top shape to keep up with the non-stop whirlwind of activity. If you are reaching Monaco by plane and suffer from jetlag, however, the yachting world’s most exciting four days can turn into a nightmare of disrupted sleep, nausea, and daytime fatigue. Try these 5 tips for coping with jetlag – they will help you combat the effects of your flight so you can keep up with even the most demanding Monaco Yacht Show schedule!

  1. Get a Good Week’s Rest

    Although it seems like you have a million chores to accomplish before you leave for Monaco, make a conscious effort to get at least eight hours of sleep every night for the week before your departure. This pre-trip rest is essential if you plan to participate fully in the Monaco Yacht Show; travelling in a state of fatigue tends to heighten the effects of jet lag, turning what could be a mild case of tiredness into full-fledged exhaustion.

  2. Adapt to Monaco’s Time Zone Before You Arrive

    Altering your schedule before you arrive in Monaco allows your body to make a gradual adjustment to the change in routine, rather than a sudden shift that can induce jetlag. Shift your bedtime half an hour later or earlier each night until you are on Monaco’s time zone; if you are travelling east, do the opposite. Move your mealtimes closer to the schedule you will follow at the Yacht Show, and change your watch to Monaco time as soon as you board your flight.

  3. Stay Hydrated

    Dehydration exacerbates the effects of jet lag, so make sure you drink a generous amount of water before, during, and after your flight. Avoid alcohol and caffeinated beverages, as they disrupt sleep patterns and actually dehydrate your system.

  4. Follow an In-Flight Exercise Program

    Staying sedentary during your flight will slow your circulation so you arrive sluggish, sleepy, and ill prepared for the demanding schedule you face at the Monaco Yacht Show. Try performing simple stretches and easy isometric exercises during the flight; taking frequent short walks about the cabin will also increase alertness and reduce the swelling and aches that long international flights can induce.

  5. Resist the Urge to Nap

    Once you land, you may feel an overwhelming urge to nap. Waiting until local nightfall to sleep will help counteract the effects of jetlag, allowing you to be more alert so you can be at your best when you meet the crowds at MYS.

If you still suffer from jetlag or other illness during your trip, you may need to consult with a medical professional about prescriptions and other treatment options. MHG’s travel insurance policies can provide referrals to local Monaco doctors and hospitals, avoiding the need to interrupt your planned meetings to search for a practitioner. Our international health insurance plans offer a choice of geographic area of coverage, policy deductible/excess and, in some cases, choice of coverage limit, so you can tailor your coverage to match your specific destination. MHG Insurance Brokers offers a full range of travel insurance coverage including travel health insurance, trip cancellation insurance, extreme sports insurance, and other plans that provide full protection so you can focus on making this year’s Monaco Yacht Show the most successful one yet!

Call MHG Insurance Brokers at +1 954-828-1819 or +44 (0) 1624 678668 or visit us online at mhginsurance.com for a full range of travel insurance coverage options for your Monaco Yacht Show trip and other business destinations!

5 Tips for Coping with Jetlag

Life Insurance Myths

Life Insurance MythsTo help you make an informed decision, we present 6 common life insurance myths – along with the factual information that debunks these misconceptions. 

 

Myth #1: I am too young to need life insurance. 

Even young, single individuals need life insurance to cover their financial obligations, such as personal debts, medical, and funeral bills; otherwise, a family member may be responsible for paying these expenses. You can lock in lower life insurance rates, begin preparing for the family you will someday have, and start building towards a financially secure retirement. Life insurance also gives young individuals the chance to make a significant financial contribution to their favorite charity or cause. 

Myth #2: I am too old to need life insurance. 

You may think there is no need for life insurance after you reach retirement age because your family is grown and you have sufficient funds to enjoy a comfortable retirement. Actually, purchasing life insurance after 60 provides a variety of potentially necessary benefits, allowing you to help protect your assets, clear any accumulated debts and tax burdens, and possibly leave a generous tax-free legacy for your loved ones or favorite charity while enjoying your retirement to the fullest.

Myth #3: Only the breadwinner needs life insurance. 

Coverage for spouses who do not work outside of the home is often overlooked, but their loss causes considerable financial repercussions for the remaining family member. When you perform a needs-based cost-replacement analysis of the many services your homemaker partner provides, including childcare and chef duties, cleaning services, driver and more, the need to purchase life insurance coverage becomes clearer.

Myth #4: My employer-provided life insurance is all I need.

Employer-provided life insurance is temporary coverage that is only in force while you remain with your employer. No matter how secure your position seems, the instability of the modern workplace, where corporations are downsizing without notice, could leave you with no job and no life insurance coverage at any time. In addition, employer-provided life insurance is generally only for one to two times your annual salary, a significantly insufficient amount if you have a family that will rely on your life insurance for their well-being. 

Myth #5: It is better to invest my money than purchase life insurance. 

Given the volatility of the market, counting on investments to provide for the financial well being of your family in your absence is a risky proposition. Purchasing sufficient life insurance can allow you to cover the cost of clearing your debts, provide for your family’s well-being, and help ensure that they have the needed funds to live comfortably regardless of downswings in the financial market.

Myth #6: Life insurance is very expensive.

Life insurance plans are actually surprisingly affordable. According to a recent study reported by Forbes, 80% of respondents overestimated the cost of life insurance – often by hundreds of dollars. The experienced insurance specialists at MHG can assess your life insurance needs and put together an affordable life insurance package that combines term and whole life insurance policies to provide the coverage you need. 

Contact MHG Insurance Brokers for more information about life insurance and other important insurance policies that are available by calling 954-828-1819, or visiting online at mhginsurance.com. Learn how you can protect your financial future and provide for the needs of your loved ones.

Life Insurance Myths

5 Signs You Need Life InsuranceThe need for life insurance is something to think about, especially during joyous life events. The thought of leaving our loved ones is a painful one, but with careful planning, we can at least help ensure that our family will have the physical comforts and financial security they deserve.   As we go through life, it can be tempting to focus on the joys of the events that change our lives in various stages.  This can result in  neglecting the long-term planning needs these changes may bring. 

 

How can you tell if your changing life stage signals a need to obtain or update your life insurance coverage? Look for these 5 signs you need life insurance: 

Graduating College –While life insurance may not seem like an urgent necessity at this point, it is the ideal time for you to purchase a policy. Your rates will never be lower, and obtaining life insurance now allows you to make affordable provisions for your future retirement while establishing protection for your future family members. 

Getting Married – You just pledged to love, cherish, and protect your loved one from harm all the days of your life; life insurance allows you to help fulfill that pledge even after you are gone. If something happens to you or your spouse, the survivor would face financial obligations on his or her own, with everything from daily living and funeral expenses to retirement funds now becoming the survivor’s sole responsibility. Life insurance provides help with everyday expenses as well as ensuring the surviving spouse can have a comfortable and secure future. 

Becoming a Parent – Having a child is a marvelous event that comes with a heavy dose of responsibility. A life insurance policy can help assure your bundle of joy can have the best life has to offer, even if you are not around to help in person. Life insurance benefits will help your spouse provide all the various needs of your child or children, such as food, clothing, and education, minimizing the risk of having to struggle or scrimp. 

Becoming a Homeowner – All too often, surviving spouses are forced to sell a beloved home after their husband or wife dies because they are unable to afford the mortgage payments on their own. When you put in place a life insurance policy that is large enough to cover your entire mortgage, you can give your spouse the peace of mind that comes from a secure living situation. 

Planning for Retirement – Purchasing life insurance can allow you to spend your hard-earned money enjoying your retirement, while still providing a lasting legacy for your loved ones. The current volatility of the market has left some seniors without the resources they thought they would have for their later years; a life insurance policy provides a safe haven that can help protect your assets and provide you with funds that may be used when you are ready for retirement. 

In addition to changing your life insurance needs, these pivotal life events also create a need for the protection of other insurance policies, such as health insurance, disability income insurance, long term care insurance, and more. The dedicated experts at MHG Insurance Brokers will work with you to satisfy all your insurance needs, making certain that you and your loved ones have the coverage you need to be fully protected at every stage of your life. 

Call MHG Insurance Brokers today at 954-828-1819 or visit us online at mhginsurance.com for help in selecting life insurance and other coverage to ensure you and your loved ones have the protection you need at every stage of your life.

5 Signs You Need Life Insurance

Complete Insurance Solutions for Individuals, Families, and BusinessesMHG Insurance Brokers are known for being Marine Crew Insurance experts, specializing in insurance plans designed to meet the requirements of marine employers, captains, crew, contractors and concessionaires. But did you know MHG also provides insurance solutions for individuals, families, and businesses in the US? At MHG, we have the experience, expertise, and access to multiple insurance carriers to offer sound, independent advice as to which insurance providers and products are best suited to address the needs of individuals, business owners and employers. 

 

Employee Benefits/Individual Insurance Health Insurance / ACA Guidance – As an approved ACA insurance agency, MHG is able to answer your questions and help you find the perfect plan based on your particular requirements and budget. Speak with MHG’s Insurance Specialists about:

  • Employee Benefits - MHG will help you assemble a competitive employee benefits package, with a wide range of coverage options and benefits which can include Health, Dental, Long and Short-term Disability, Life and Gap insurance.

  • Individual Coverage – Finding the right insurance plan for you and your family can feel a little overwhelming. Not only are there so many options to choose from, but insurance has its own language and sorting through the terminology and key features on your own can be time consuming. Additionally, you may also be wondering if you are eligible to purchase insurance through the Affordable Care Act health exchanges.Let our Insurance Specialists help you find the right insurance plan for you and your family including Health, Life, Dental and Vision, Long-term Care, Supplemental Health, Medicare Plans and AFLAC coverage.
Business Insurance Today’s business owners need to know that there are several different types of insurance coverage available to protect their business as well as their personal assets. Call on MHG’s Insurance Specialists to help you with:

  • General Liability – Provides coverage for bodily injury, property damage, advertising injury, and personal injury, including libel and slander; can also pay defense costs and settlements for any claims against you, even if fraudulent.

  • Commercial Property - Protects your businesses' assets and inventory against physical damage and loss of use due to theft, an accident, or other means.

  • Employment Practices Liability – Protects your business, its directors, officers, and employees against allegations of sexual harassment, discrimination, emotional distress and wrongful termination among others.

  • Workers' Compensation – A mandatory type of insurance for businesses with four or more employees (one or more in the Construction industry), Workers’ Comp provides for your employees' medical expenses and some portion of their wages if they are injured on the job.

  • Commercial Auto – Covers any auto primarily used for business, paying for damages or medical expenses sustained by you or a third party involved in an accident; some policies include coverage for damages caused by a flood, fire or theft.

  • Professional Liability – Protects businesses that provide advice to clients, covering from claims made for negligence, failure to perform, and inaccurate advice.

  • Excess/Umbrella/Bumbershoot – For businesses that want complete protection from liability issues, Excess or Umbrella policies provide coverage above the limits of a General Liability policy, Employment Practices Liability Insurance (EPLI), or Hired and Non-Owned Auto policy.

  • Specialty Lines – Insurance coverage for businesses with unusual or difficult risks, such as staffing companies, security guards (armed and unarmed), home health care or businesses with high losses, lapses in coverage or dangerous exposures.
Now that you are aware that MHG provides complete insurance solutions for individuals, families, and businesses as well as marine crew insurance policies, it is time to let the Insurance Specialists at MHG help you find and purchase the right insurance plans to meet your business and personal coverage needs. 

Call MHG Insurance Brokers today at 954-828-1819 or visit us online at mhginsurance.com for help in selecting the right business and personal insurance plans to meet your coverage requirements.

MHG Provides Complete Insurance Solutions for Individuals, Families, and Businesses

Tips for Selecting the Right Health insurance Plan for Your Small GroupChoosing a health insurance plan for your small group or company is a weighty responsibility. Whether you are purchasing benefits for the first time or already have a group benefit plan in place and are looking for a more affordable alternative, your number one priority is keeping your employees safe and healthy. Since the decisions you make can have a profound effect on the physical and financial well-being of your employees, your co-workers, and yourself, the Insurance Specialists at MHG Insurance Brokers have provided these five tips for selecting the right health insurance plan for your small group in hopes of making your task a little easier.

  1. Pick an insurance carrier that is widely accepted.

    Recently carriers have introduced limited networks that are accepted by very few providers. Protect your employees by staying away from plans with names that include words like “Select”.

  2. Include plans with various prices and benefit levels.

     Plans with higher deductibles have lower premiums, making them more affordable. Since your employees have different financial circumstances, be certain to include a plan that includes copays for physician visits, prescriptions, urgent care, and emergency room visits (if possible).

  3. Understand the difference between copays and coinsurance.

    Copays are a fixed dollar amount, while coinsurance is in the form of a percentage.

  4. Verify what each plan includes in the out of pocket maximum.

    For plans purchased from 2014 onward, the out of pocket maximum includes the deductible, copays, coinsurance, and prescriptions. Some of these may have been excluded in previous years and on current plans that were purchased prior to 2014.

  5. Make sure your employees understand HMOs, PPOs, and POS plans.

    These plans have similar benefits, but some distinct differences greatly affect coverage. The key differences are as follows:

    1. HMO plans require that the members use in network providers only.

      Generally less expensive than similar PPO or POS plans, HMOs require members to select a Primary Care Physician (PCP); before members can see a Specialist, they must get a referral from their PCP. In recent years, Open Access HMOs that do not require PCP selection or referrals have become more prevalent. HMO benefits are restricted to a particular geographic region.

    2. POS plans are HMO derivatives that include out of network benefits.

      POS plans resemble HMOs for in-network services; services received outside of the network are usually reimbursed based on a fee schedule, or what is considered to be reasonable and customary charges.

    3. PPO plans have in and out of network benefits.

      Referrals are never required with a PPO. Members have the option of seeing any doctor they choose, although benefits paid for visits to out of network doctors can be considerably lower.

    4. HSA (Health Savings Accounts) work with HDHP (High Deductible Health Plans) but generally do not pay benefits until the plan deductible is met.

      Once the deductible is met, members usually do not have copays for routine benefits like physicians’ visits, prescriptions, etc.
Selecting the right health insurance plan for your business is an important responsibility. The experienced insurance brokers at MHG will help you sort through the terminology and key features to determine the best group health insurance plan for your business, taking into account your employees’ circumstances, coverage requirements, and budgets. MHG Insurance Brokers offers a wide range of insurance coverage for businesses and individuals including disability insurance, life insurance, travel insurance, and more. 

Call MHG Insurance Brokers today at 954-828-1819 or visit us online at mhginsurance.com for help in selecting the ideal group health insurance policies for your business.

Tips for Selecting the Right Health insurance Plan for Your Small Group (US Life & Health)

Will My Health Insurance Plan Cover Me InternationallyAccidents and injuries can occur at any time, leaving you in need of skilled medical care. If a medical emergency transpires when you are at home, your health insurance may provide the full range of needed benefits, but most insurance policies have different rules that apply to international travel. Since having the proper insurance coverage can make the difference between an easily managed situation and a medical and financial nightmare, before you head off on an overseas vacation or business trip, you first must find out, “Will my health insurance plan cover me internationally?” 

 

Many US health insurance plans do not include international coverage. 

While there are exceptions to this rule, it is likely that your US Health Insurance plan’s coverage does not extend to countries outside the US. The plans that do include international coverage tend to have limited networks, which causes them to work much less effectively. You will also probably have to pay all associated costs upfront before you can receive treatment, draining your financial resources when you are far from home. Before leaving on your trip, contact your insurance company to see if your plan does offer international coverage.

Medicare does not provide coverage outside the US. 

If you are an American senior whose only source of coverage is Medicare, you effectively have no health insurance benefits outside the U.S. Travel insurance plans are available to the senior market; however, they have a cap of $10,000 in coverage. 

Travel insurance is affordable. 

The insurance experts at MHG Insurance Brokers can provide you with plan options from several different insurance companies containing the medical benefits that you need for traveling abroad. International medical insurance plans are available that offer coverage for as little as five days to as long as three years, with deductibles that range from $0 to $25,000 to fit every budget. With a travel insurance plan from one of our designated carriers, you and your family will gain the peace of mind that comes from knowing you are protected in case of emergency. 

The application process for travel insurance is quick and easy. 

Enrollment in the travel insurance plans MHG Insurance Brokers offers is surprisingly fast and easy. You can apply right online, and same day coverage is available. 

Travel insurance offers an important benefit for European travelers

If you are a European traveling with your European Health Insurance Card (EHIC), you may be eligible for free or reduced medical care for an accident or illness within the 28 EU countries plus Iceland, Lichtenstein, Norway and Switzerland, but you are still lacking an essential benefit. In the case of a serious illness or injury, the costs of getting you home can be very substantial and these are not covered by the normal social system cover / EHIC. MHG Insurance Brokers can match you with medical evacuation insurance that covers the cost of your medical repatriation, so you can be returned to your home country without having to incur a sizable expense. 

Before heading out on your vacation, make certain you and your loved ones are covered in the case of unexpected illness or injury. MHG Insurance Brokers can advise you on the best selection of travel health insurance, trip cancellation insurance, and other plans to ensure your coverage matches your itinerary, coverage, and deductible needs. 

Call MHG Insurance Brokers at +1 954-828-1819 or +44 (0) 1624 678668 or visit us online at mhginsurance.com to enjoy the peace of mind that comes from knowing you and your loved ones are fully protected no matter where you roam!

Will My Health Insurance Plan Cover Me Internationally?

Top Reasons to Consider Buying Life Insurance After 60Now that you are over 60, you may not think that you have a further need for life insurance. After all, your family is grown and you have safely accumulated sufficient assets to enjoy a comfortable retirement. The volatility of the market over the last few years, however, has taught us that few assets are ever truly safe. Now that your family is grown, it is time to look at life insurance differently: as the way to leave a lasting, loving legacy that will protect the people and purposes that are important to you. Some of the top reasons to consider buying life insurance after 60 include:


Asset Protection 

You have worked a lifetime to ensure you can have a comfortable retirement. Life insurance can protect your assets from the volatility of the market, and if you choose, you can decide to receive dividends as a tax-free source of supplemental retirement income or wholly or partially annuitize your cash surrender value to provide additional guaranteed lifetime income. You always have the option of accessing the cash surrender value of your policy, if needed as a source of emergency funds during life. 

Family Support

With life insurance in place, you can rest easy in the comfort of knowing that funds will always be in place to take care of your loved ones. Life insurance funds can be used to offset loss of retirement income to your spouse at death, or provide for the care of a disabled family member. 

Family Legacy

With life insurance in place, you can spend your money enjoying your retirement and still leave a generous legacy to your children and grandchildren. Life insurance adds flexibility to your estate plan, giving you the funds to balance uneven distributions of property or business interests to your children, or provide a gift to charity or grandchildren. Life insurance gives you the chance to give a tax-free inheritance or gift, which may be given at death or at any time prior, if you prefer. 

Debt Clearance

Debt is a tremendous burden your family should not have to face while dealing with the death of a loved one; by obtaining life insurance you can ensure your loved ones are left with no extra expenses at the time of your death. You can obtain one of our life insurance plans that pays all the sundry costs associated with death: all final expenses, debts, estate and inheritance taxes, and pay income in respect of a decedent taxes on IRAs, 401(k)s, etc. Obtaining life insurance after age 60 allows you to enjoy your retirement secure in the knowledge that you have protected your loved ones, your assets, and will be able to leave a legacy that will provide a comfort for years to come. 

Contact MHG Insurance Brokers to learn more about obtaining life insurance and the different types of insurance policies available by calling 954-828-1819, or visiting online at mhginsurance.com. Let us help you begin the preparations today to protect the ones you love most.

Top Reasons to Consider Buying Life Insurance After 60

Life Insurance for ChildrenDid you know that securing a life insurance policy for your child is not only a loving and generous gift, but can also be one of the most valuable tools in securing his or her financial future? You may have heard one of the many myths about children and life insurance, such as them not having any dependents or bringing in an income, as deeming a life insurance policy unnecessary. A life insurance policy for your child, however, can help prepare them for future financial security and help them avoid financial hardships that may arise. 

 

One of the greatest advantages of an insurance policy for a child is that his or her insurability is at its highest and premiums are at their lowest when they are young. Here are a few other reasons to consider when thinking about life insurance for your children:

  1. The Benefit of Starting at a Young Age – Purchasing life insurance at a young age almost always guarantees that it can be purchased. In addition, if you purchase a policy, for example, a Whole Life Policy with a Guaranteed Purchase Option, you will be able to purchase additional coverage at a later date, no medical questions or tests needed. Also, over time, consider the dividends and cash value the policy will have for your child.

  2. Money Options and Retirement – With certain policies, your children will have the option as they age to withdraw money from their accrued cash value. This money may come in handy when it is time to pay for college or use as a down payment on a house. In addition, with a cash value life insurance policy, they can take the cash and convert it into an annuity. Annuities can guarantee continual income, which can help your child pay debts, financial expenses or help fund their retirement.

  3. Future Insurability – We never know what will take place later in life, and there are events or illnesses that could make your child uninsurable. This can make it impossible to secure a life insurance policy at a time when it is needed the most. Purchasing a permanent life insurance policy for your child at a young age secures the availability of coverage as they get older. Speak to one of MHG’s knowledgeable insurance brokers today about affordable life insurance premiums for your child.

 

As you see, there are many benefits to obtaining a life insurance policy for your child, no matter how young they are. When your child is an adult, you will be able to present them with their life insurance policy, helping them feel confident about their financial security. It is truly one of the most loving and generous gifts a parent can give their child. 

To learn more about obtaining a life insurance policy for your child, contact MHG Insurance Brokers by calling 954-828-1819. You can also visit us online at mhginsurance.com. Let us help you begin the preparations today to protect the ones you love the most. We look forward to serving you!

Life Insurance and Your Children

Exercise RoutineMost of us know of how invigorated exercising makes us feel, how beneficial it is for our health, both physically and emotionally, and yet we often struggle with the motivation needed to get us up and moving.  Springtime is a season during which we find ourselves longing to be outdoors, to catch the sweet scent of fresh blooms, and enjoy the cool breezes and temperate weather that has begun to emerge. 


What better time than now to breathe fresh life into your dormant exercise routine? Let springtime be your exercise inspiration and take your exercise program outdoors. If it has been awhile since your last work out, and you are looking forward to getting back in shape, here are some tips to follow to prepare yourself for your new exercise regimen:

  • Determine what your fitness goals are. Is weight loss a part of your objective? Are you looking to increase flexibility or build muscle? Having set goals will enable you to measure your progress. When you see the progress you make, it motivates you to stick with it.
  • Develop your own pace. If you are just beginning to exercise, begin carefully and progress gradually. If you have an injury or health condition such as high blood pressure, see your doctor first for guidance with identifying your fitness goals and choosing the appropriate type of exercise plan that you can safely participate in.

  • Make it a regular part of your routine. Finding the time to exercise can be tough when juggling other responsibilities on a daily basis. Review what your typical day is like, and schedule time for exercise the way you would any appointment.

  • Change it up. Incorporate different exercises into your routine. Doing the same activities repeatedly will lead to exercise burn out. In addition, you will want to focus on different parts of your body each time, giving your other muscles time to heal after a work out.

  • Create a balanced routine. Be sure your exercise program includes aerobic activity as well as strength training. Generally, a healthy adult should aim for 150 minutes of aerobic activity per week to maintain cardiovascular health.
Other important factors to consider when taking your exercise routine outdoors is if you are an allergy sufferer, determine the steps you will need to take to prevent allergy attacks from hampering your workouts.  Perhaps your doctor can prescribe an allergy medication or recommend an effective one that is offered over the counter. Also, review your health plan and make sure you are properly covered for any injuries you may incur while exercising. If you need assistance in obtaining a new health plan or have questions about your existing policy, visit mhginsurance.com.  Or, call MHG Insurance at 954 828 – 1819 and speak with one of our knowledgeable insurance representatives. MHG Insurance Brokers cares about its clients, and encourages everyone to exercise safely and enjoy the beautiful spring season.

 

Make Springtime the Time to Revive Your Exercise Routine