International Group Insurance Products with Full Description:

Who helps you today to navigate international risk management and global benefits for expatriates, TCNs, foreign nationals and global travelers?

The 3 most important reasons to team with us for international group insurance needs are outlined below:

There is no cost to have McKinley International on "retainer" and we share advice with clients every day with no consulting fees.

If you employ expatriates and other international assignees, you never know what may cross your desk and you need a partner that can navigate ANY issue that may come your way.

Your current broker or consultant may lack international experience (99% do), and there is no conflict because we do NO U.S. domestic benefits.

For an in depth review of these international group insurance topics, please review each of the 4 white papers below:


Expatriates living and traveling inside the old Eastern Europe have special security needs that do not apply to expats in London or the EU. Do you have a security plan for threat, extortion, or kidnap. It it a "real plan" or a file tucked away somewhere with a benefit embedded in a foreign workers compensation plan?

What is the experience of your existing international broker? It's not a hard decision to partner with McKinley International Risk Management because it costs nothing in retainer.

 

This apartment complex in Moscow is a favorite among expatriates. If we surveyed 200 of them this is what we would find:

140 have no personal property insurance for their personal items in country ($50,000 is the average). WHY NOT: There is no accommodating insurance market in Russia and it's assumed by the expat your company would pay for losses which is almost impossible.

180 would have no personal liability insurance!

You need an experienced international insurance broker who also acts as your international insurance consultant, without the hourly fees.

No matter what international situation you find yourself in, you need an international insurance broker than can also act as a consultant on complicated international insurance issues where the proper advice is essential. We have a rule that our customers love... and the large consulting houses do not live very much:

If we are working with you on at least one international insurance or service program there is never a fee for consulting and advice that is not new project related. It's like having an international benefits consultant on your payroll with no retainer charge and of course, no billable hours.

We know you have a U.S. broker or consultant at this time, there is absolutely no conflict if working with an international insurance brokerage, as we do no U.S. benefits (and they do no international!)

Our clients call us all the time to collect information, and what is amazing in this marketplace is, we share the information free of charge.

As one of the few "true" international brokers in North America we do much more than just place international insurance and come back at renewal time to beat up international insurance carriers over a few points. ("True" meaning able to handle all of the list below, with ongoing service)

We will work with you on the placement of international group insurance plans, and then service the account throughout the year without consulting fees of any kind.

Why partner with an international insurance broker? Who do you turn to today for these kinds of issues and even assuming they have international expertise to handle each below, what would they charge you?

Perhaps the main reason to partner with us is what could happen tomorrow, not what is on your desk today. This, combined with the ability to foresee and stop international risk before it blows up. These are real situations below. Don't wait for something to cross your desk needing urgent attention, partner with McKinley International Risk Management today. It won't cost you a penny. Anything familiar on the list below?

  • A life insurance claim on a U.S. expat living in China is denied by the U.S. life carrier because he was residing overseas on a permanent basis. (our advice, never "assume" your U.S. life insurer is covering people overseas. We can explain). Would you know what tactics to take with the carrier if they were denying the claim due to international jurisdictions.
  • Your local legal entity in South America is sanctioned over non-admitted insurance violations. Do you know what to do and how to correct the situation.
  • New expatriate employees assigned to Kenya submit $25,000 of anti-malarial medication that is denied by the existing international health insurance plan. We know why, and would have seen this coming and we have the best course of action with the insurer.
  • You are losing $50,000 a year or more by not properly pooling your local national benefits around the world. The proper multinational pooling scheme can save as much as 20% for many local national insurance lines. Has anyone explained how to pool as little as 20 employees in two countries to save money using multi-national pooling? If you have more than 50 local nationals in two or more countries and are not using a multinational pool, you throwing money away.
  • Your faculty member in Egypt alerts you that he has received a threatening note, and is ordered to leave the country immediately "or else." Do you have an action plan already in place for threats, extortion, and kidnap?