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Term Life Insurance – FAQs

If your question is not answered here, please call us on +44 (0)20 3551 6634 and one of our advisors will be happy to assist you with our Term Life Insurance product.

Can you provide expat life insurance quotes? | Do you provide expat life insurance in Singapore? | Do you provide expat life insurance in Spain? | What is expat life insurance? | Do you provide expat life insurance in Thailand? | Do you provide expat life insurance in Australia? | Do you provide expat life insurance in USA? | Do you provide expat life insurance in Japan? | Do you provide expat life insurance in China? | Can you provide an expat life insurance online quote? | What is expat life insurance cover?| Who are the expat life insurance companies? | Can you get life insurance for expats? | Why do I need a UK address for expat term life insurance? | Are there any restrictions to which nationalities can obtain cover? | Are there any restrictions to where I can reside when the policy is purchased? | Do you provide expat life insurance in Hong Kong?

 

Can you provide expat life insurance quotes?

Yes, these are available from the Quote button at the top of the page. A Quick Quote takes just a few seconds.

 

Do you provide expat life insurance in Singapore?

The contracting country may be different to your actual country of residence. The countries where we can currently contract are: Austria, Bahamas, Belgium, Bulgaria, Chile, Cyprus, Czech Republic, Denmark, Estonia, Falkland Islands, Finland, France, Germany, Gibraltar, Greece, Greenland, Grenada, Hong Kong², Hungary, Iceland, Ireland, Italy, Jamaica, Latvia, Liechtenstein, Lithuania, Luxembourg, Macau, Malta, Netherlands, Norway, Oman, Poland, Portugal, Romania, Slovakia, Slovenia, Sweden, Turkey, United Kingdom.

 

Do you provide expat life insurance in Spain?

Whilst we are happy to provide cover to a person living in Spain, for certain reasons we are unable to contract with a Spanish address. We are happy to use another adddress owned by the applicant. The countries where we can currently contract are: Austria, Bahamas, Belgium, Bulgaria, Chile, Cyprus, Czech Republic, Denmark, Estonia, Falkland Islands, Finland, France, Germany, Gibraltar, Greece, Greenland, Grenada, Hong Kong², Hungary, Iceland, Ireland, Italy, Jamaica, Latvia, Liechtenstein, Lithuania, Luxembourg, Macau, Malta, Netherlands, Norway, Oman, Poland, Portugal, Romania, Slovakia, Slovenia, Sweden, Turkey, United Kingdom.

 

What is expat life insurance?

Expatriate Group have specifically developed an international expat term life insurance policy to meet the needs of expats and international travellers. Many domestic policies that are taken out become invalid once the insured travels outside their home country for more than a period of time or when they permanently move overseas, potentially leaving a property and family completely unprotected in the event of the death of the insured.

 

Do you provide expat life insurance in Thailand?

Whilst we are happy to provide cover to a person living in Thailand, for certain licensing reasons we are unable to contract with a Thai address. We are happy to use another adddress owned by the applicant. The countries where we can currently contract are: Austria, Bahamas, Belgium, Bulgaria, Chile, Cyprus, Czech Republic, Denmark, Estonia, Falkland Islands, Finland, France, Germany, Gibraltar, Greece, Greenland, Grenada, Hong Kong², Hungary, Iceland, Ireland, Italy, Jamaica, Latvia, Liechtenstein, Lithuania, Luxembourg, Macau, Malta, Netherlands, Norway, Oman, Poland, Portugal, Romania, Slovakia, Slovenia, Sweden, Turkey, United Kingdom.

 

Do you provide expat life insurance in Australia?

Whilst we are happy to provide cover to a person living in Australia, for certain licensing reasons we are unable to contract with a Australian address. We are happy to use another adddress owned by the applicant. The countries where we can currently contract are: Austria, Bahamas, Belgium, Bulgaria, Chile, Cyprus, Czech Republic, Denmark, Estonia, Falkland Islands, Finland, France, Germany, Gibraltar, Greece, Greenland, Grenada, Hong Kong², Hungary, Iceland, Ireland, Italy, Jamaica, Latvia, Liechtenstein, Lithuania, Luxembourg, Macau, Malta, Netherlands, Norway, Oman, Poland, Portugal, Romania, Slovakia, Slovenia, Sweden, Turkey, United Kingdom.

 

Do you provide expat life insurance in USA?

Whilst we are happy to provide cover to a person living in the USA, for certain licensing reasons we are unable to contract with an American address. We are happy to use another adddress owned by the applicant. The countries where we can currently contract are: Austria, Bahamas, Belgium, Bulgaria, Chile, Cyprus, Czech Republic, Denmark, Estonia, Falkland Islands, Finland, France, Germany, Gibraltar, Greece, Greenland, Grenada, Hong Kong², Hungary, Iceland, Ireland, Italy, Jamaica, Latvia, Liechtenstein, Lithuania, Luxembourg, Macau, Malta, Netherlands, Norway, Oman, Poland, Portugal, Romania, Slovakia, Slovenia, Sweden, Turkey, United Kingdom.

 

Do you provide expat life insurance in Japan?

Whilst we are happy to provide cover to a person living in Japan, for certain licensing reasons we are unable to contract with a Japanese address. We are happy to use another adddress owned by the applicant. The countries where we can currently contract are: Austria, Bahamas, Belgium, Bulgaria, Chile, Cyprus, Czech Republic, Denmark, Estonia, Falkland Islands, Finland, France, Germany, Gibraltar, Greece, Greenland, Grenada, Hong Kong², Hungary, Iceland, Ireland, Italy, Jamaica, Latvia, Liechtenstein, Lithuania, Luxembourg, Macau, Malta, Netherlands, Norway, Oman, Poland, Portugal, Romania, Slovakia, Slovenia, Sweden, Turkey, United Kingdom.

 

Do you provide expat life insurance in China?

Whilst we are happy to provide cover to a person living in China, for certain licensing reasons we are unable to contract with a Chinese address. We are happy to use another adddress owned by the applicant. The countries where we can currently contract are: Austria, Bahamas, Belgium, Bulgaria, Chile, Cyprus, Czech Republic, Denmark, Estonia, Falkland Islands, Finland, France, Germany, Gibraltar, Greece, Greenland, Grenada, Hong Kong², Hungary, Iceland, Ireland, Italy, Jamaica, Latvia, Liechtenstein, Lithuania, Luxembourg, Macau, Malta, Netherlands, Norway, Oman, Poland, Portugal, Romania, Slovakia, Slovenia, Sweden, Turkey, United Kingdom.

 

Can you provide an expat life insurance online quote?

Absolutely. Simply click on the Quote button at the top of the page and you’ll be provided with an indication of premium in just a few seconds.

 

What is expat life insurance cover?

Expatriate Group have specifically developed an international expat term life insurance policy to meet the needs of expats and international travellers. Many domestic policies that are taken out become invalid once the insured travels outside their home country for more than a period of time or when they permanently move overseas, potentially leaving a property and family completely unprotected in the event of the death of the insured.

 

Who are the expat life insurance companies?

There are not many providers of international insurance benefits, as few companies provide the true international scope and presence to do so. Expatriate Healthcare work with Lloyd’s of London, to ensure that their customer have access to a large number of international licenses and to ensure 1st class security.

 

Can you get life insurance for expats?

Expatriate Healthcare have been working with certain underwriters at Lloyd’s for many years and are able to provide term life insurance to many expats living and working in 91 different countries around the world.

 

Why do I need a UK address for expat term life insurance?

Do I need a UK address for expat term life insurance? No, whilst we are limited to the countries where Lloyd’s of London have appropriate licenses, this is quite extensive and includes Austria, Bahamas, Belgium, Bulgaria, Chile, Cyprus, Czech Republic, Denmark, Estonia, Falkland Islands, Finland, France, Germany, Gibraltar, Greece, Greenland, Grenada, Hong Kong², Hungary, Iceland, Ireland, Italy, Jamaica, Latvia, Liechtenstein, Lithuania, Luxembourg, Macau, Malta, Netherlands, Norway, Oman, Poland, Portugal, Romania, Slovakia, Slovenia, Sweden, Turkey, United Kingdom.

 

Are there any restrictions to which nationalities can obtain cover?

Yes, although we have an wide ranging list including: Andorra, Anguilla, Antigua and Barbuda, Argentina, Australia, Austria, Bahamas, Barbados, Belgium, Belize, Bermuda, Bulgaria, Canada, Costa Rica, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Falkland Islands, Finland, France, Germany, Gibraltar, Greece, Greenland, Granada, Hong Kong, Hungary, Iceland, Ireland, Italy, Jamaica, Japan, Latvia, Liechtenstein, Lithuania, Luxembourg, Macau, Malta, Monaco, Netherlands, New Zealand, Norway, Oman, Poland, Portugal, Romania, Singapore, Slovakia, Slovenia, Spain, Sweden, Switzerland, Turkey, United Kingdom, United States.

 

Are there any restrictions to where I can reside when the policy is purchased?

Although the policy provides you with worldwide protection and wil follow you around the world when you travel, there are some restrictions to the country of residence when the policy is initially purchased. The full list of approved residences is: American Samoa, Andorra, Anguilla, Antigua and Barbuda, Argentina, Australia, Austria, Barbados, Barbados, Belgium, Belize, Bermuda, Brazil, Bulgaria, Cambodia, Cameroon, Cayman Islands, Chile, China, Costa Rica, Croatia, Cyprus, Czech Republic, Denmark, Ecuador, Estonia, Falkland Islands, Finland, France, Germany, Gibraltar, Greece, Greenland, Granada, Guyana, Hong Kong, Hungary, Iceland, Indonesia, Ireland, Italy, Jamaica, Japan, Kenya, Kuwait, Latvia, Lebanon, Liechtenstein, Lithuania, Luxembourg, Macau, Malaysia, Mali, Malta, Mexico, Moldova, Monaco, Namibia, Nepal, Netherlands, New Zealand, Norway, Oman, Papua New Guinea, Philippines, Poland, Portugal, Qatar, Romania, Russia, Singapore, Slovakia, Slovenia, South Africa, South Korea, Spain, Sweden, Switzerland, Taiwan, Tanzania, Thailand, Turkey, United Arab Emirates, United Kingdom, United States, Venezuela, Vietnam, Virgin Islands (UK & USA), Zambia.

 

Do you provide expat life insurance in Hong Kong?

Yes. Policies sold in Hong Kong, whilst being underwritten at Lloyd’s of London, are not are not subject to the provisions of the Insurance Companies Ordinance (Cap. 41), which establishes a system of prudential supervision of authorized insurers in Hong Kong. Cover in Hong Kong, whilst perfectly legitimate, is provided on what is referred to as a ‘non admitted basis’.

For Expat Health or Medical Insurance FAQs click here | For Expat Travel Insurance FAQs click here

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