Acyva Insurance Advisors Personal Life Risks For Expats And How To Protect Yourself

PERSONAL LIFE RISKS FOR EXPATRIATES HOW TO PROTECT YOURSELF? We can help Prepared by Sleiman Karam, MBA GBA

BACKGROUND INFORMATION
ACYVA is a brokerage firm specialized in international insurance protection solutions
Clients: expatriates, employers, international students, travellers, athletes…
Solutions : we propose solutions adapted to the expatriate’s needs
Standard solutions: Life, disability and health insurance
Specialized risks: Sports, war and terrorism, kidnapping and ransom, etc.
Insurers : ACYVA deals with world leaders in the field of international insurance (William Russell, BUPA, IHI, etc.)

Premature death
Disability or the inability to generate income
Serious illness or injury
Each of these life risks can put your financial security at high risk if you are not well protected
NORMAL LIFE RISKS

A lot of business and personal travel
War and terrorism risks
Unavailable or unqualified medical services in the country of residence
Kidnap and ransom
Family living large periods of time in different areas
Moving and changing employers often with periods of unemployment between jobs
Political risks
Inappropriate insurance protections
Each of these risks can put your financial security at high risk if you are not well protected
EXPATRIATE RELATED RISKS

What happens if because of sickness or injury you lose your employment? Who will cover your future medical expenses after you are no longer covered under your employer benefits?
What if you are injured in a war or terrorism act in your country of residence or during your travels? Are you covered?
Do you have a choice of the country where you will receive your treatments? In some countries, the quality of medical services is not appropriate, thus you might want to get some medical treatments in a country where you can have family support and quality services
Does your employer cover all your personal risks? (income replacement, life insurance…) Are all members of your family insured in the employer's plan?
What happens if you become a contractual employee, freelancer or unemployed? You lose your insurance benefits maybe at an age where it will be difficult for you to get insurance because of pre-existing conditions. Even if you get insurance, your pre-existing conditions will be excluded.
Do you have coverage that follows you even when you go back to your country of origin?
Does your employer insurance policy qualify you for benefits as an expatriate or do you have the same benefits as local employees? The needs are not the same
Do you have evacuation and repatriation coverage
Does your employer benefits cover all your family members living with you or in another country
The solutions we propose take into account these and other considerations of similar nature
CONSIDERATIONS FOR YOUR FINANCIAL PLAN

ACYCA specializes in the expatriate market
We have access to any protection that you may need
As independent advisors we deal only with first quality insurers
We can analyze your employer benefits and offer you the necessary protection to complement or replace them
International insurance protection can provide the coverage you need. These contracts can follow you and are created to serve the expatriate community
In the following pages we will present s ome of the solutions we use to protect our clients.
HOW CAN WE HELP YOU?

HEALTH INSURANCE
In-patient treatment (Hospital)
Out-patient (physicians, specialists, treatment, etc.)
Drugs
Emergency evacuation and repatriation
Dental insurance
LIFE INSURANCE: you can choose the amount you need
Solutions: INTERNATIONAL PROTECTIONS

DISABILITY INSURANCE : monthly sum received to replace income if you are not able to complete the substantial tasks of your job.
TOTAL AND PERMANENT DISABILITY INSURANCE : lump sum paid in case you become totally and permanently disabled
SPECIAL RISKS
War and terrorism
Kidnapping and ransom
Political risk (evacuation)
Professional sports and artists
Accident only coverage (life, disability…)

OTHER PROTECTIONS
Travel insurance
Students abroad
Evacuation
Best Doctors (second opinion in case of critical illness)

Many of us have the best insurance coverage for our car, house,… however, most people overlook the strain that can be placed on their financial situation due to sickness or injury.
At ACYVA, we help expatriates and their families create a secure financial future.
Our team is ready to serve you… we do not put pressure or try to sell unnecessary products. Simply, we want to provide you the peace of mind you need so you can focus on your career and family.
Please call for an evaluation with no obligation
What is your plan?

CONTACT INFORMATION
To obtain an estimate or if you want to know more about our services:
www.acyva.com
Your contact :
Sleiman Karam
President
Telephone: +1 514 3128400
Email: sleiman@acyva.com

Acyva Insurance Advisors Personal Life Risks For Expats And How To Protect Yourself

by sleiman on May 18, 2009

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