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Insure My Life Right, LLC is an independent insurance agency. We represent multiple insurance companies.  Each person, each family has a different need for their insurance coverage.  Each insurance company has different specialties. Because we represent many carriers, we have more options with b

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Medical Travel Insurance & High Limit Accident Plans

International Major Medical Plan (Health Insurance) (Traveling to the USA)

This plan is designed for people coming to the USA for periods from 1 day to many years. The following link is the online application.

Online Application, Get your coverage with the online Application – Your coverage is issued with-in a few minutes – Print your Insurance coverage at the end of the application – Takes 2 to 5 minutes – 

Apply for International Major Medical Plan (Health Insurance) (Traveling to the USA).

The following examples are the most common uses.

  1. Foreign Nationals visiting
  2. Imigrating to the USA
  3. USA citizens coming back to the USA after being outside the USA
  4. Foreign Nationals living in their home country working for a US company
  5. Foreign Nationals travelling to the USA and additional countries prior to returning to their home country

USAway International Major Medical (Health Insurance Plan (Traveling outside / away from the USA).

This plan is designed for US citizens and US residents who are travelling outside of the USA.

The following link is the online application.

Apply for International Major Medical Plan (Health Insurance) (Traveling away from / outside the USA).

The following examples are the most common uses of the Major Medical Health Insurance policy.

  1. Students studying abroad
  2. Executives traveling overseas on work assignments
  3. Travelers/Tourists who are seeking medical coverage, including medical evacuation, while outside the USA
  4. Families traveling abroad on sabbatical
  5. Missionaries traveling abroad to provide foreign aid

High Limit Accident Insurance plan

Apply online for a High Limit Accident Insurance Plan

This plan will allow individuals to purchase an Accident Death & Disability policy which will cover a death or disability from an accident.

High Limit Accident Coverage

We provide personal and corporate Accidental Death and Dismemberment coverage as an alternative or supplement for people who can not obtain sufficient amounts of traditional life insurance.

We provide Accidental Death and Dismemberment for individuals partaking in  activities that include:  Race Car Driving, Piloting, Scuba Diving and Mountain Climbing.  War Risk coverage is also available for contractors working and living in high-risk locations anywhere in the world.

Instant Issue of coverage

Online policies are issued immediately – Online Applications take 5 to 10 minutes. Payments are made by credit card.

Amount of coverage

The amount of life insurance coverage is 10 x (ten times) the applicant’s annual salary. Proof of income is needed only at the time of a claim of benefits. So verification is not needed at time of issue, only in case of death. Benefits are limited to income verification (10 times your provable tax returns).

COVERAGE INCLUDES:

• Personal Accidental Death and Dismemberment Life Insurance

• Business Travel Accident Coverage (Life Insurance and/or Disability Insurance)

• Accident Only Permanent Total Disability Insurance

• War and Terrorism Coverage

• Benefit Amount exceeding $75,000,000 per person

• 24 Hour Worldwide Coverage

• Policy Terms ranging from 1 day to 3 years

The following examples are the most common uses.

  1. Business travel to another country
  2. Leisure Travel
  3. Jouranlists
  4. Contractors
  5. Humanitarians
  6. Engineers
  7. Missionaries
  8. War Zone coverage
  9. Key Person
  10. Buy/Sell Agreement
  11. International Coverage
  12. Flight risks
  13. Life Insurance postponement

CASE STUDY

A satellite technician was offered a job in Iraq assisting the U.S. military with their communications systems. Before departing, he wanted to financially protect his family in the event he suffered death or permanent disability while overseas. Because he would be in a high-risk location, traditional life and disability companies would not offer coverage. Our firm was able to secure Accidental Death and Dismemberment, as well as personal disability coverage, which included any losses due to passive war and terrorism.