Does Traveling Affect Your Life Insurance?

Oct 12, 2021

Last Updated on: Feb 3, 2025

Trip ideas

If you want to purchase life insurance, your insurer will likely ask you about all the places you’ve visited during the past five years.

This travel history can have an impact on your life insurance policy, including the cost of the policy and even whether or not you’re able to purchase it at all. To learn more about how traveling affects your life insurance, keep reading.

We’ll take a look at three important factors—frequency of travel, length of travel, and destination—and discuss how they affect your policy.

What is Life Cover?

What is Life Cover?

Before purchasing life insurance it’s important to first decide what type of policy you’d like.

A term policy is designed to provide protection for a predetermined period.

A permanent or whole-of-life policy is designed to protect you until death and is considered permanent because it covers you throughout your entire life until death.

Why Life Cover Matters

If you pass away while traveling abroad, your family could find themselves in a difficult financial situation.

As such, if you’re planning to travel internationally and will be away from home for an extended time, make sure you buy enough life insurance to cover your dependents’ expenses should something happen to you.

Before buying any new life insurance policy or making changes to an existing one, however, it is essential that you get in touch with a professional that can help guide you through any necessary additional coverage.

How to Choose the Right Amount of Life Cover

How to Choose the Right Amount of Life Cover

One of the most problematic areas when it comes to financial products like life insurance plans is haggling over the coverage. This is where insurance companies try to low-ball their customers. According to experts, customers looking to get a new life insurance plan should do so only after going through multiple reviews and ratings of the providers.

According to experts, customers looking to get a new life insurance plan should do so only after going through multiple reviews and ratings of the providers, such as these Colonial Penn life insurance reviews, in order to see what real people have to say about them.

It’s always wise to ensure that you have a life insurance policy before you travel. In fact, if you have dependents, it is a legal requirement for you to do so.

However, it can be difficult to know how much cover you need and when you need it most.

Consider Reading: Canadians are not allowed to Travel in Winter.

How Much Life Cover Should You Carry?

While traveling, it’s important to realize that your life insurance may be null and void, depending on where you are in relation to your local branch.

You also need to stay informed of any changes to the travel policy. If traveling is part of your career, it’s definitely something you should consider. You should ideally go for a heroic life cover.

Can I Get My Life Cover Back If I Return Home Early from My Trip?

If you are traveling, that doesn’t mean you should get rid of your life insurance policy.

It is still possible to be covered by a travel insurance policy, but you may need to adjust it or find an alternative plan if any type of life-threatening activity will be involved. Before leaving on your next trip, make sure to research your options carefully.

Do not let potential life-threatening travel situations influence your decision regarding whether or not it is time to get new life insurance coverage.

Conclusion

If you’re planning to travel for a year or more, you may want to reassess your life insurance situation.

While you’re away, your circumstances will change—maybe your premiums are no longer being paid by an employer, or maybe you have new dependents who are counting on your income.

This means you might need to reevaluate your coverage or look into additional plans that can help protect against these changing circumstances.

Read Also:

Share on Social Media

Abdul Aziz Mondol is a professional blogger who is having a colossal interest in writing blogs and other jones of calligraphies. In terms of his professional commitments, he loves to share content related to business, finance, technology, and the gaming niche.

Leave a Reply

Your email address will not be published. Required fields are marked *

title-img Related

READ MORE Olight Warrior Mini 2

Olight Warrior Mini 2 Edc Tactical Light

BY  Abdul Aziz Jun 6, 2023

The Olight Warrior Mini 2 EDC Tactical Light is the newest and most powerful compact tactical light on the market. It's an upgraded version of its predecessor, the Warrior Mini, which was already a top-performing flashlight. The Warrior subcategory of tactical lights has been designed to exceed all expectations for a high-performance tactical light. This compact flashlight boasts an impressive 1750-lumen output that can easily illuminate even the darkest of environments. t can provide reliable lighting during any outdoor or indoor activity. Its durability is beyond compare with its aluminum body and IPX8 rating, which makes it water-resistant for two meters deep. Another amazing feature of this tactical light is its ease of use. With a side switch and one button at the tail end, you can easily switch between modes and adjust brightness settings according to your needs. 1750 Lumen EDC Flashlight The Olight Warrior Mini 2 is a versatile and compact tactical light that packs a powerful punch. With the highest output of 1750 lumens, it can easily light up any dark environment. Despite its impressive power, it remains compact and easy to carry, making it an ideal choice for everyday carry (EDC) enthusiasts. Among all the standout features of the Warrior Mini 2 is its impressive beam throw. It has a range of more than 240 yards, allowing you to see far into the distance, even in pitch-black conditions. This makes it an excellent tool for hunters and outdoor enthusiasts who need reliable lighting in remote locations. Additionally, its durable construction means that it can withstand harsh environments and keep functioning at peak performance for years to come. This Tactical EDC Light refers to a compact and powerful flashlight that can be trusted to withstand extreme conditions. Rated IPX8, waterproof to 2 meters, this flashlight is perfect for outdoor adventures in the rain or near water sources. It also consists of a drop-safe rating up to 1.5m, making it durable enough to withstand accidental drops. EDC Ready If you are looking for a reliable, lightweight, and easy-to-handle tactical light for everyday carry (EDC), the Olight Warrior Mini 2 remains an excellent choice. Measuring in at just under five inches long and weighing in at a hair over four ounces with a battery installed, this compact flashlight packs a punch. The Olight Warrior Mini 2 is designed to withstand tough conditions, making it perfect for outdoor use. It consists of an IPX8 waterproof rating, a simple indication that one can submerge it in water up to two meters deep without actually damaging it. Moreover, its aerospace-grade aluminum body is durable enough to handle accidental drops and bumps. With an output of more than 1,750 lumens along with a beam distance ranging from 220 meters or so, it is also incredibly powerful. Its dual-switch design allows you to easily toggle between different modes using just one hand. Fast Magnetic Charging The Olight Warrior Mini 2 is a high-performance EDC tactical light that comes with a magnetic charging system. The magnetic tail cap allows for quick and easy recharging of the 3500mAh battery, ensuring that you never run out of power when you need it most. The charging cable snaps onto the tail cap magnetically, eliminating the need to fiddle with cables or ports. In addition to its convenient charging system, it is also highly durable and versatile. It features a robust aluminum body that can withstand extreme conditions, making it ideal for use in harsh environments such as construction sites or outdoor adventures. Its compact size makes it easy to carry in your bag or pocket, making it an essential tool for everyday carry (EDC) enthusiasts. Powerful beyond size: The Olight Warrior Mini 2 EDC Tactical Light is a powerful and compact lighting solution that offers a maximum output of 1,750 lumens with a beam distance of 220 meters. This impressive illumination capability makes it an ideal choice for law enforcement officers, hunters, hikers, campers, and anyone else who requires a dependable light source in low-light situations. Compared to its predecessor- the Warrior Min- this tactical light boasts significant improvements. It delivers up to 17% more brightness and throws over 16% further than the previous version. Its upgraded features include an improved LED emitter that produces brighter and clearer illumination while also conserving battery life. Additionally, its durable aluminum body is IPX8 water-resistant rated, making it ideal for use in wet weather conditions. Improvised User Safety: The Olight Warrior Mini 2 EDC Tactical Light is a great addition to your regular carry kit. It features a default proximity sensor that is responsible for dropping brightness in order to protect against any object while turning it on higher modes. This enhanced safety feature ensures users that they won't accidentally blind themselves or others when using the light in close quarters. With this feature, you can confidently use this Tactical Light in any situation without worrying about causing harm to yourself or others. Whether you're hiking through the woods, working on a car in your garage, or navigating a dark alleyway, this tactical light has got you covered. Overall, the Olight Warrior Mini 2 EDC Tactical Light is an exceptional tool for anyone who values safety and practicality. Its built-in proximity sensor is just one of many features that make it stand out from other tactical lights on the market today. Conclusion The Olight Warrior Mini 2 EDC Tactical Light is a reliable and durable option for everyday carry and tactical use. Its compact size, impressive brightness, and various modes make it a versatile tool for any situation. Additionally, its rechargeable battery ensures that users will always have a reliable source of light at their disposal. Overall, it is an excellent investment for anyone in need of high-quality tactical light. Don't hesitate to add this powerful flashlight to your collection today! Read Also: Kiwi Flights Review – Login, Services, And Travel Experiences How To Enjoy Your Journey After You Book Flight Tickets From Canada To India?

READ MORE Reasons to Fly by Private Jet at Any Time

Three Reasons to Fly by Private Jet at Any Time

BY  Abdul Aziz May 17, 2021

Private jets are a fast and efficient way to travel. More and more non-celebrities are choosing private jets over commercial airline travel and this article will explore the reasons why. The main reason, of course, is that companies such as Jettly are making it so easy and affordable to a private jet charter. You can use the online quote checker to give you an approximate price and then move on to selecting the jet that is best for you. They range in size, which allows you more guests, and a bigger fuel tank will mean fewer fuel stops, depending on the distance you desire to travel. Short flights and long haul flights are available. Fast and Efficient: Private jets are considered an efficient way to travel because they get you from A to B quicker than commercial jets for several reasons. One, you do not have to wait for the time of the scheduled flight at the airport, you can board your private jet at a time you choose and so less time is wasted; two, private jets can fly higher in the sky than commercial airliners and so avoid bad weather that might cause a delay; and three, there is no chance of your luggage going astray and delaying your holiday or business trip. Privacy: We all value our privacy, whether we are famous or famously unfamous. With a private jet, not only can we board it at a private terminal away from the hoi polloi, but we can also be among just friends, family, or colleagues when travelling on the aircraft. People we know well who we feel comfortable sharing our flight with. If we are a sports team, we can all be together and talk tactics away from the prying ears of anyone likely to share them on social media quicker than we can even explain them to each other. Many of us will feel self-conscious in public situations, so being away from masses of people can relieve that kind of anxiety. There is no doubt that people relax more on private jets. Why not enjoy your time travelling as much as you will enjoy the holiday itself? Why not have some peace to prepare for that business meeting or scientific conference? If you are a celebrity, then you will possibly already know the benefits of private flight when it comes to privacy. The fact that when travelling on a commercial airline and when waiting in an airport you will need to worry more about security and crazed fans greeting you when you would rather they kept their distance. Believe it or not, some people wait at airports in the hope that they will see someone famous and do not care who it is. They will hope to obtain an autograph that they can then sell online. These are not going to be your real fans but those just out for making a quick profit. We can bypass these people when boarding a private jet from a terminal slightly away from the main airport building. The enhanced safety attached to private jet flight means that it is becoming a popular choice. Comfort: It is more comfortable travelling on a private jet because there is more legroom and often larger seats. Some private jets geared up to longer flights will even have sleeping facilities. You can have a personal service when it comes to being waited on by the staff aboard the plane, who are there just to cater for your needs and special requirements. In a similar fashion, the ground maintenance staff will also be there to cater solely to the private aircraft. Having dedicated maintenance staff ensure that components are in good condition can enhance the aircraft stability and therefore comfort of your flight. Experienced technicians will also ensure that pitot covers are used alongside other measures in-between flights to preserve the aircraft condition to be ready to fly as soon as you wish to go elsewhere. Some of the fittings and gadgets on these planes can be the equivalent of a five-star hotel and better than we are used to at home. Gold-plated fittings are not unheard of. We are looked after in terms of the facilities provided and the attention we receive. With a private flight, it is second to none. So, whatever time of the day or night it is you want to fly, you can book a private flight to fit in with that. You can arrive in good time for the business meeting, or arrive just in time with no time wasted. You will travel with privacy, comfort, and luxury. You can feel special like a celebrity going on holiday. If you are a celebrity, then you will know what we are talking about. Read Also: How To Fund The Cost Of Travelling 5 Backpacking Tips For An Unforgettable Euro-Trip Your Next Road Trip: 4 Tips Before You Depart

READ MORE experience Canada

Experience Canada Like A Local: Insider Tips You Can’t Miss

BY  Ankita Feb 7, 2024

Are you dreaming of exploring Canada’s majestic mountains, vibrant cities, and charming small towns? Look no further! The country has so much to offer. But before you pack your bags and head off on an airplane, there are insider tips you can't miss. This guide is here to help you discover the real Canada beyond the famous tourist spots you see in pictures. Let's explore how you can truly experience Canada like a local. Explore Beyond the Cities While cities like Toronto, Vancouver, and Montreal are must-visits, Canada's true beauty lies in its vast wilderness. To truly discover the beauty, consider renting a car or taking a local bus to explore the scenic countryside, national parks, and charming small towns. Let's talk about these cities one by one: 1. Vancouver The city is known for its breathtaking landscapes and greenery. You can hike in the nearby mountains or stroll along the stunning Stanley Park Seawall, offering ocean views and lush forests.  Vancouver Island is one of the best places in the world for whale watching. With its pristine waters, it is perfect for kayaking and canoeing. Also, it is home to an abundance of wildlife. Keep an eye out for bald eagles, black bears, seals, and sea lions.  To enhance your experience of the Vancouver Island getaway and make it even more relaxing, consider planning your stay at a resort. You can enjoy various amenities and facilities like a swimming pool, Gym, business areas, and the town’s tasty cuisine. Also, you can avail of special offers if you book online and get an incredible experience of staying. 2. Toronto In Toronto, there are awesome adventures waiting for you. You can visit the famous CN Tower, where you'll get amazing views of the city. Or you can ride on a ferry to Toronto Islands. At the place, you'll find sandy beaches and the most beautiful skyline views. It's a great place to chill and have fun. It is also home to cool neighborhoods like Kensington Market, where you can explore colorful streets filled with unique shops and tasty food. Also, enjoy the walk along the waterfront at Harbourfront Centre, where you can enjoy live performances and art exhibitions. 3. Montreal In Montreal, you can dive right into the lively culture. One of the best parts is trying out yummy food in the busy markets. There are all sorts of delicious things to taste. You can also wander around Old Montreal, like stepping into the past with its cobblestone streets and charming buildings. The place is full of incredible art and music events so that you can catch some fantastic shows and exhibitions. And if you like outdoor fun, there are parks and green spaces to enjoy. Participate in Local Festivals Canada's calendar is packed with festivals celebrating everything from music and film to food and heritage. Participating in these events is a fantastic way to experience local culture and meet nationals.  Join the vibrant festivities of the Calgary Stampede, where you can get in on the action and feel like a cowboy or cowgirl for a day. If you're into movies, the Toronto International Film Festival is the place to be. You can watch cool films and soak up the artsy vibe. It's a fantastic way to experience culture and make new friends while having a wonderful time. Uncover Hidden Gems Exploring hidden gems during your Canada adventure enhances your traveling experience. You can ask locals for tips on where to find hidden beaches, peaceful hiking trails, or cool hangout spots in town.  Discover the charm of lesser-known neighborhoods, like the artistic alleys of Toronto's Kensington Market. The historic streets of Old Town Lunenburg in Nova Scotia often offer a more authentic and personal experience than the crowded tourist spots. Essential Tips for a Smooth Journey Understanding a few essentials can make your adventure more enjoyable: Weather: Canada's weather can be unpredictable. Pack layers to adapt to changing conditions, especially if you're exploring the great outdoors. Tickets: Book tickets online in advance to avoid long lines for attractions. You will even get special offers and discounts that save you money.  Local Transport: Familiarize yourself with public transport options. Biking is also a popular way to explore Canadian cities. Currency:  While credit and debit cards are widely accepted, having some Canadian dollars on hand is useful for smaller establishments or rural areas. Where Locals Eat To set the gastronomy in motion, check out Celebrity Chef Lynn Crawford’s Ruby Watchco in Leslieville. The menus change on a weekly basis with locally sourced ingredients. The servings are family-style, and they encourage you to stay back. Take their bait and hang out in this famous neighborhood that has sustained young, creative minds and families from across the city. Their spots, such as the restored Broadview Hotel, are meticulously chosen. You can choose to savor the city from The Rooftop Terrace, or you can check in to one of the grand 58 eclectic guest rooms. If you want to try a refreshing breakfast, check out Bonjour Brioche, where locals enjoy fresh pastries and lattes. All this so far covers a single neighborhood! Across the city, you will find different opportunities to munch on whatever you desire. If you are in the mood for tapas-style treats, you may hit the all-time staple Bar Raval. If you are craving nouveau Caribbean, check out Chubby’s Jamaican Kitchen. And at the end of it all if you are craving some dessert, the city’s favorite, Rosen’s Cinnamon Buns on College Street, will not disappoint. If you are into vegetarian options, your options are growing that way, too. One of the more refined options is Planta or even the more trendy new Vegandale chain of restaurants and breweries in Parkdale, which will leave you feeling super satisfied. Photo Spots Since its arrival in 2015, the Toronto Sign at Nathan Phillips Square has become a selfie spot for locals as well as tourists alike. Remember to take a peek at all the artwork or get a selfie in Graffiti Alley, but that is not all. There is The Falcon Skybar at Hotel X, the Kost rooftop bar perched on top of the 44th-floor of Bisha Hotel, and the Thompson Toronto’s Rooftop Lounge offer a spot to nibble and sip with some highly Instagrammable views. Final Thoughts Experiencing Canada like a local opens up a world of possibilities typical travel guides might overlook. It's about diving into the community, understanding their way of life, and discovering the country's soul. So, what are you waiting for? Pack your bags, and get ready to explore the country beyond the surface. Read Also: Winter Camping In Canada: Tips For Cold-Weather Adventures Guide To Exploring Whistler, Canada For A Memorable Getaway How To Enjoy Your Journey After You Book Flight Tickets From Canada To India?