Does Traveling Affect Your Life Insurance?

Oct 12, 2021

Last Updated on: Oct 18, 2024

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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.

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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.

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Travel Tips to Help You Out In Asia

BY  Sharmita Jan 18, 2018

 Asia has seen a considerable rise in travel and tourism in the last decade. They have finally taken the tourism business seriously. This has been implemented to such an extent that even countries like China have opened up their gates for the foreigners not only for travel but also for business and academic activities. However, Asia, as a travel destination, is a new place for many travel aspirants. Especially for the American citizens for whom, Asian destinations are quite famous these days. There is more than one reason for this. Firstly, most of the Asian countries as destinations are cheaper than their European counterparts. Further, Asia has always been a land of mystery for most of them through their experience of reading the childhood fantasy stories. Thus, an Asian trip for the Americans has always been a different experience. This has made sure that the traffic from America to Asia has received a major boost in the last decade or so. Nevertheless, the first-timers must know certain things regarding the continent before setting off for travel. Research regarding the regulations of the places Off late there has been changes in visa regulations in quite a few countries. Like in China, huge changes have been implemented making the visa regulations easier but different from what used to be. Thus, it is essential to know regarding the existing rules to avoid any hazard during the tour. Further, most of the Asian countries require your passport to be valid for at least six months in order to provide you with an entry visa. Thus, you might be in serious trouble if the validity of your passport is not looked after well ahead of travel. 1. Know regarding the ATMs in advance: These days in Asia, you would seldom come across a place where you would not find an ATM. Then, there would be odd places where there would not be an ATM to help you out. Thus, research regarding the place in a proper manner before you set out for a journey, as it is better to know which place requires you to carry cash and which place does not. 2. Avoid purchasing SIM cards:  Most of the Asian countries are reputed for free Wi-Fi. You would normally find complementary free Wi-Fi services in the hotels you put up in. Thus, it is no longer worthy to buy a SIM card while traveling to the Asian countries these days. Not that the Sim cards would cost you a huge amount, but why spend even a single buck if you Can get your job done for free. 3. Have knowledge regarding the cab fares:  Cab fares might be an important issue in Asia. It is better to do some research regarding the existing cab fares for the places you have planned to travel before reaching the places. If you are ignorant regarding them, there are chances of the drivers robbing you with amounts much higher than the actual rates. 4. Having US$ always helps:  Nothing is better than the possession of the local currency of the place you are traveling. This is applicable not only for an Asian travel but also all the places around the world. However, remember that in most of the Asian countries, along with their local currency, US$ is also accepted. Thus, as US travelers, there would not be much problem if you are carrying US$ with you. 5. Always possess toilet papers and hand sanitizers:  There would not be many places where you would get either toilet papers or hand sanitizers for use in the public toilets. Thus, it is always a healthy habit to carry both in your backpack while traveling through Asia. 6. Maintain your calm:  When you are travelling a foreign country, never ever get into a tussle with any of the inmates of any country which so ever. Remember that the natives of those countries would always support their fellow citizens. On the hind side, it is always a good idea to learn a few phrases in their native tongue like a hello or a thank you. Finally, we can come to the conclusion that every country has their habits and their own set of cultures. Thus, it is always good to travel to a particular place not only for enjoyment but also to have a bit of their culture so that the experience transcends to something that can be cherished for a lifetime. Read More: Tips For Improving Your Holiday Experience. 4 Tips for First-time Travelers to Bali

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Thanksgiving Road Trips With Kids: Tips For A Fun And Safe Journey

BY  Sibashree Oct 28, 2024

Thanksgiving road trips with kids are perfect for families to hit the road and create lasting memories together. Road trips with kids are both fun and challenging,  Moreover, they require some planning to ensure a smooth journey.  From engaging activities to keep them entertained to snacks that will keep the peace, a little preparation goes a long way.  However, in this post, we'll share essential tips to help make your Thanksgiving road trip enjoyable and safe for the whole family. So buckle up and prepare for an adventure filled with laughter and gratitude! What Is Thanksgiving Day? This section is mainly for the ones who do not have much of an idea about the occasion.  Thanksgiving Day is the annual day celebrated in the United States Of America. Alsom it  is a harvest celebration.  The Thanksgiving parade day is November celebration. Families and friends share the traditional meal and express gratitude for all the good things in life.  Yes, many consider it as a service to others in this community.  However, the celebration takes place on the fourth Thursday in November. Macy's employees started this event on November 27th to promote the holiday sales. From Macy's Christmas Parade, the name was changed in 1927.  Thanksgiving Road Trips With Kids: Follow The Tips For A Safe Journey We have arrived at the main section of our article, where we shower tips and precautionary measures for safe Thanksgiving road trips with kids.  Planning Your Route And Stops A well-planned route with regular stops is crucial for a smooth road trip with kids. Map out rest areas, parks, and scenic spots where your family can stretch and take a break.  In addition, ensure these stops are child-friendly and have facilities like playgrounds or picnic areas.  If you're traveling with very young children, consider rest stops that offer amenities for changing diapers or nursing. Remember to bring carriers for babies to make short walks and sightseeing stops easier. Hence, pre-planning these details will help prevent restlessness and keep everyone in good spirits. Packing Essentials For Kids When packing for a road trip with kids, focus on essentials to keep them comfortable and entertained. Bring a mix of clothing suitable for different weather conditions and activities.  In addition, pack plenty of snacks and drinks to avoid frequent stops. Include travel-friendly toys, books, and electronics with headphones to keep them engaged.  Don't forget comfort items like blankets and pillows to make the car ride more pleasant.  However, using Method travel luggage for each family member can help organize everything efficiently, making it easy to find what you need quickly. A well-packed car ensures a smoother journey for everyone. Car Safety Tips For Traveling With Children Ensure that you install the car and booster seats properly for your child's age, weight, and height. Double-check that seat belts are securely fastened.  Also, while embarking on the  Thanksgiving road trips with kids, keep the car's back seat free of loose items that could become projectiles during sudden stops. Install sunshades on windows to protect your children from direct sunlight. Always keep a first-aid kit, emergency contacts, and essential medications easily accessible.  Also, plan for regular breaks to prevent children from becoming too restless, and make sure your vehicle is in good working order before hitting the road. Entertainment Ideas To Keep Kids Engaged Create a travel activity kit for each child with coloring books, crayons, puzzles, and small toys. Audiobooks and music playlists can be lifesavers for longer stretches. Interactive games like "I Spy," travel bingo, or trivia quizzes can engage the whole family.  Allow children to take turns choosing a podcast or song to keep them interested. For older kids, portable gaming devices or tablets with pre-downloaded educational apps can be beneficial. Rotate activities to maintain their interest and keep the journey exciting. Managing Meals And Snacks On The Road Keeping kids well-fed on a road trip is essential to a happy and peaceful journey. Opt for healthy, non-messy snacks like fruit slices, cheese sticks, and granola bars.  Also, insulated bags should be used to keep perishable items fresh. If possible, plan for meals at child-friendly restaurants with play areas to allow kids to stretch and burn off energy.  Additionally, consider packing a small cooler with sandwiches and drinks to avoid unhealthy fast food options.  Having a designated snack bag within easy reach will help minimize disruptions and keep hunger at bay. Dealing With Emergencies And Unexpected Situations Unexpected situations can arise, so it's important that you become prepared well in advance. Keep a fully stocked emergency kit in your vehicle, including a flashlight, batteries, and basic tools.  Ensure your phone is charged and you have a portable charger handy. Familiarize yourself with roadside assistance options and have their contact information easily accessible.  In addition, teach your kids basic safety procedures, like staying close to the car if you must pull over. Carry extra blankets, water, and non-perishable snacks in case of delays in the Thanksgiving road trips with kids.  If you prepare yourself well in advance, it will make a significant difference in handling emergencies smoothly. Creating A Positive Travel Atmosphere Foster a positive atmosphere by maintaining a cheerful attitude and setting realistic expectations for the trip.  Also, encourage kids to share what they're looking forward to and listen to their concerns. Create a collaborative playlist with everyone's favorite songs to boost morale. Acknowledge and praise good behavior, and stay patient during challenging moments.  Use positive reinforcement to encourage cooperation and kindness among siblings. Incorporate regular family discussions and storytelling to keep everyone connected and engaged. Arrival And Settling In After a long journey, it's important to help kids adjust to their new environment quickly. Start by unpacking essential items like comfort toys, blankets, and any necessary toiletries.  Familiarize your children with their new surroundings by giving them a quick tour. Establish a routine similar to home to provide a sense of stability in these Thanksgiving road trips with kids.  Allow some time for outdoor play or a short walk to burn off any excess energy from the trip. Engage in calming activities like reading a book together to help them unwind and feel settled. Road trips with kids during Thanksgiving day truly become a rewarding experience, creating cherished family memories that will last a lifetime.  With careful planning and a positive mindset in these Thanksgiving road trips with kids  you can navigate the challenges and make the journey enjoyable for everyone.  Flexibility is key; sometimes, plans must adjust to accommodate unexpected needs or detours. Embrace these moments as part of the adventure and focus on the quality time spent together. Safe travels, and Happy Thanksgiving! Also read Top 10 Most Popular Paraguay Food That You Must Try. Top 13 Famous Wonders Of India That You Must Visit! [Updated 2024] Top Tips For Motorbike Rental In Phuket – A Guide To Exploring The Island On Two Wheels.

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Honeymoon Travel Guide | Things That Can Make Your Honeymoon An Ultra Romantic Affair

BY  Abdul Aziz Apr 17, 2019

The honeymoon is the first vacation you two are going on as a couple. So it will always hold a special place in your memories. Lone time with your partner and a lot of romance will surely spice things up and strengthen the bond between the two. You can, however, make it even more special and a truly memorable affair with a smart honeymoon travel guide. Whether you have decided to take charge of bookings and sightseeing or are looking for Kerala honeymoon packages, here are a few tips to consider in your plan to have the perfect honeymoon. “That honeymoon phase is so much fun in real life when you meet and discover somebody new and fall in love and chase them. The pursuit. And that climactic final moment of ultimate togetherness.” Honeymoon Travel Guide: 15+ Things You Must Not Miss  Honeymooners! Check out the things to do on the most romantic trips from our honeymoon travel guide. 1. Do Activities Together: The trend of doing something different with your partner is really popular. It takes place more among couples who book Andaman, Goa, and Kerala honeymoon tours. Adventure activities top the list of things to do on your honeymoon. You can do skydiving, paragliding, and scuba diving with your partner, and we are certain that memories will be cherished forever.  2. Dance the Night Away: Dancing with your partner can be the most romantic thing to do on the honeymoon. It brings hearts closer, and you will love spending intimate and quality time with each other. In for some Bridgerton moments?  Check out the most happening clubs in your honeymoon destination. Spare some time to spend with your partner on the dance floors. 3. Plan in Advance: Do you have a thorough idea of the honeymoon destination, places to visit, things to do, and how to spend each day? It is one of the things to make your vacation more fun and relaxing. It saves a lot of time to book or plan something while you are at the destination.  You can get help from Kerala honeymoon packages to learn more about the destination. Make sure that you leave some downtime during the honeymoon. 4. Plan a Surprise: It is true that a honeymoon is one of the rare times in life when you will be really free to spend all the time with your partner. Use this opportunity to follow this honeymoon travel guide to be extra romantic. You can book a table for a romantic candlelight dinner with your partner. You can also get chocolates or flowers delivered to your partner in the hotel room. Just look for a unique or new thing that will add life to your honeymoon. It can be more interesting if you understand what interests your partner the most and stick to his or her desires. 5. Choose a Bed and Breakfast This tip is for those planning a honeymoon on their own. Instead of staying in a traditional hotel, book a bed and breakfast. You will feel more pampered as these places are small and intimate.  The host will take care of even the minutest need and make the two of you feel more special. 6. Plan Some Treats at the Airport You could be flying economy, but you can pre-book an airport lounge that will allow you to escape the crowded terminal.  It can help you to get free snacks and drinks, comfy armchairs, and newspapers. The choice you make depends on the airline that you are flying. 7. Check In Early You need to avoid a last-minute rush by leaving plenty of time to check in. Gone are the days when you would find airlines upgrading honeymooners. You may find yourself sitting in a different location with your spouse because of delays in booking your flight. Therefore, do your due diligence because little can be done late, even if you are a honeymooner. You can check for the latest shopping and dining opportunities once you are done checking in. 8. Prepare a Honeymoon List Study for the best ideas on the available wedding gift lists. Instead of getting crockery and cutlery, you can request your guests to treat you to romantic add-ons and help you pay for your honeymoon.  Therefore, you can request your friends and relatives to contribute toward your honeymoon package. There are several places that can help you to learn more about wedding gift ideas. 9. Upgrade Your Transfers Upgrading your transfers will be my honeymoon travel guide for you. Instead of getting a regular minibus or taxi from the airport to the hotel, you can either upgrade to a speedboat or limousine. I have also seen some people book a helicopter transfer.  It is a fast and efficient way to move to your preferred honeymoon location. The cost will vary depending on the service provider that you choose and the distance. 10. Book a Special Room Most hotels have various categories of rooms. For instance, you may upgrade to a suite if you want rooms that are worth and truly special for your honeymoon.  You can use people who have been to these destinations previously to give you some of the best ideas for special rooms. You will need a place that will give you an uninterrupted experience. 11. Do Not Stay in One Place When you have a two-centered honeymoon, you will get the best from the destination. You will also have so many memories to carry home. You can try a beach-plus safari combination or island hopping. It is good to see the various sides of your honeymoon destination. Most experiences are two worlds apart, even if they are just a few minutes’ drive away. You can also get married on one Island and spend your honeymoon on another. 12. Get the Right Combination If you are going for a two-center honeymoon, make sure you know the best way to combine it. It is a mistake to book a relaxation or adventure combo but leave out the relaxation slice until the end. It’s advisable to start by organizing for a relaxation time to help you combat the post-wedding exhaustion.  It is a magical thing to head off for a safari. However, we don’t recommend newlyweds expose themselves to frighteningly early starts and alarm calls. You can do some tropical beach to get alerts and charge for the days that you will be in the bush. 13. Inform the Hotel If the staff at the hotel are aware that you are on honeymoon, they may request that you be upgraded to a better room. Most five-star hotels will put chocolates, a bottle of champagne, and flowers in the room upon your arrival.  You may also get some extras like the complimentary private candlelit dinner as long as you make them aware. Even the low-grade hotels try to add some extra touch, especially if you have some imagination or care. Ask them what they can do as you plan your booking and gauge their reaction. 14. No Need to Over-do it You may find yourself planning so much for a trip that happens once in a lifetime. Make sure you take your time while planning for your honeymoon. Most honeymooners find themselves moving so fast because they want to get the best from their destination. Remember, the buildup of your wedding will make you exhausted. You will also experience jet lags, and hence, you need to leave some time for leisure. You need to take time to soak up all that took place in the past few weeks or months and recover fully. 15. Book for a First-Night Restaurant If you are on a first night away, book a romantic dinner table together. It may sound simple, but it is an essential element for the perfect honeymoon. In most hotels, people book these services in advance. Therefore, it is good to go for early reservations so as to prepare your table in advance. 16. Book a Spa Treatment for Couples Even if you are not a fanatic of spas, it is good to venture into the hotel spa if there is one. These spas have come on bounds and leaps over the past few years. It is an indulging journey where you can begin with the side-by-side treatment before going for a pedal-strewn bath for the two of you. Some of the hotels offer private suites for couples to help them enjoy champagne. These suites also give couples enough space and time to relax around treatments. Do some research, and you will find something that will meet your needs with a high level of precision. Summing up our honeymoon travel guide, I must say that you should look for a tour operator who can plan a customized vacation for you. This way, you will be saved from the hassle of arranging everything independently and can focus more on wedding planning.  Honeymoon Travel Guide | Best Places To Visit With Your Spouse (Instagram Favorites) With millions (billions?) of Instagram hashtags of “Honeymoon,” the social media platform shapes the romantic interludes of Gen Z and Millennial couples. Let’s be honest! Many of our Honeymoon bucket lists are inspired by what we see on Instagram. As I pen down this article, I see that there are exactly 16,420,948  hashtags for “Honeymoon” on Instagram. Further, #honeymoondestination is a distance second with a count of 602878 posts.  Here, I have curated the coolest destinations for you (in random orders). 1. #Bali Instagram Posts: 73855347  Bali, Indonesia, is the biggest draw for honeymooners around the world. The sunset view at Seminyak is ethereal, and soaking in the red light here is the best thing you can do to ignite passion.  Further, Pura Lempuyang and the Hanging Gardens of Ubud are some other gorgeous destinations in Bali. Take selfies or snaps of the most scenic landscape to have the best captures for your socials.  2. #Maldives Instagram Posts:11714083 Visiting the Maldives for a honeymoon is a dream-come-true moment true for many young couples. The pristine beaches and beautiful lagoons here set the perfect backdrop for romance. Further, you cannot miss the sunset views for the most romantic experience.  3. #Thailand Instagram Posts: 80490105 Thailand offers the most eclectic experience based on the number of days you spend here and the kind of experience you want. The Phi Phi Islands are the biggest attractions for honeymooners and couples.  However, for couples who enjoy a whiff of history, the ancient ruins and royal places are the bigger draws.  4. #Santorini Instagram Posts: 8226044 Who does not want to visit Santorini in the Aegean Sea? This volcanic Greek Island and its white houses with blue roofs are sensations of all social media platforms.  The sunrise and sunset views at Santorini are amazing, and every house on the island is painted in the warmest shade of red.  5. #Mexico  Instagram Posts:103924218 Mexico is a wonderful fusion of the old and new worlds. It has ancient places like Chichen Itza from the Mayan Civilization and a more playful experience at the white sandy beaches. 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