Expat Life Insurance - Life Insurance for Expats
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International Term Life Insurance

Expat life insurance will protect your income against accidents or illnesses that prevent you from attending your usual occupation.

  • Comprehensive ‘any cause’ cover
  • 1 – 30 year cover term
  • Worldwide protection
  • Guaranteed premiums for entire term
  • Monthly premiums from £/$/€10
  • Instant online purchase; with Easy Life

What is International Life Insurance?

Expat term life insurance provides protection to your family in the event of your death when living overseas. Designed specifically with expats in mind, Expatriate Group offer expat life insurance with worldwide protection and can cover periods of one to 30 years. We provide a comprehensive life insurance policy to give you and your family peace of mind whether abroad temporarily or setting up a new life overseas.

Designed for expats

You can select a term from one to 30 years, with annual premiums fixed for the full term.

Expatriate Group’s international level term life insurance has been designed especially for expats and international travellers.

Level Term Life Insurance

Level Term Life Insurance providing protection to your family in the event of your death during the term of the cover.

All Expatriate Group Life policies come with guaranteed premium and guaranteed cover1 from the start date for the entirety of the policy term. This means once an Expatriate Group policy has started and as long as premiums are maintained, it does not matter which changes are made to country of residence, lifestyle, occupation or travel obligations, premium and cover are unaffected and guaranteed to remain the same for the duration of the Policy Term. We’re with you all the way!

1 subject only to clauses related to misstatement of fact made by you or changes in law.

Term Life Policy & Availability

Expatriate Group’s international term life insurance is available to expatriates and international travellers living all across the globe. Our policies will follow you wherever you go and we can currently underwrite 171 countries of residence – and growing.

Click here for a list of countries we cover

If you are in doubt as to your entitlement to apply for cover please contact one of our advisors on +44 (0)203 3551 6634.

International Term Life Insurance options

Instant Cover* Instant Quote
Death Benefit (for any cause) up to
Death Benefit (for any cause) up to
Terms from 1 to 20 years Terms from 1 to 30 years
Guaranteed Premium Guaranteed Premium
Qualifying Criteria
Age at entry 18 – 49 Age at entry 18 – 70
No adverse medical history Adverse medical history considered
No hazardous occupations or pastimes Hazardous occupations or pastimes considered

* If you don’t qualify for our EASY Life policy, you may still qualify for our standard Life policy. Your application will be automatically transferred to the standard life application process.

**or currency equivalent in GBP or EUR

What is Easy Life?

It is a simple online instant Life Insurance policy.

We have made the whole purchase experience easier and less complicated.  Making it possible for you to get cover in less than 10 minutes with vitally important life cover for your loved ones.

It’s simple, it’s quick, it’s online and you can get covered immediately – click here to get covered instantly

What is the minimum acceptable age at commencement when applying for Easy Life?

The minimum age at entry is 18 attained.

What is the maximum age attained at commencement of insured for Easy Life?

The maximum age at entry is 49 attained.

What is the policy term for Easy Life?

The minimum term is 1 year. But chose a policy term of up to 20 years, guaranteeing your premium for the whole of the period.

What sum assureds are available for Easy Life?

These are between $50,000 and $500,000 (or GBP/EUR currency equivalent).

Does my occupation affect my application for Easy Life?

Yes.  Easy Life is available for sedentary (class 1) occupations.  If you have an occupation that is not covered by our Easy Life, our underwritten Term Life product would be available for you.

What if I like to ski, would this affect my application for Easy Life?

Yes, it could. Our Easy Life plan is available if you participate only in on-piste skiing. If you like to ski off-piste then this would still be covered on our underwritten Term Life Product. However, if you practice extreme skiing, which would include radical slopes or jumps, then this would be subject to special underwriting and may be excluded.

What if I have any underlying medical conditions, will this affect my application for Easy Life?

Yes, it could.  Easy Life is available for individuals who have no adverse medical conditions.  If you do have medical conditions or family history, our underwritten Term Life product could still be available for you.

How can I apply for Easy Life?

This really couldn’t be easier: simply click on this link and complete the online application. You can purchase immediately upon acceptance.  Our clever system will intuitively know when completing the form, whether you get accepted for Easy Life or whether to take you to our underwritten product.

One form to complete – Easy with Easy Life!

Key Benefits
of Term Life Insurance
  • Comprehensive ‘any cause’ cover
  • 1 – 30 year cover term
  • Worldwide protection
  • Guaranteed premiums for entire contract term
  • Monthly premiums from £/$/€10
  • Designed with Expats in mind
  • Online application process
  • Cover available to residents of 171 countries

If you’re planning on moving abroad make sure you’re protected with international healthcare insurance. Get your medical cover today.

No matter where in the world you’re travelling to, international travel insurance is vital should you need emergency medical treatment.

Income protection insurance protects you and your family if you can no longer attend your normal occupation due to an accident or illness. 

Term Life Insurance FAQ

Expatriate Healthcare term life insurance offers worldwide protection and can cover periods of 1 to 30 years. We provide a comprehensive expat life insurance policy to give you and your family piece of mind whether abroad short or long term.

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FAQs International Life Insurance

What is expat Term Life Insurance?

Can you provide an expat life insurance online quote?

Who are the international life insurance companies?

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

What happens if I outlive my Term Life Insurance?

What are the benefits of expat Term Life Insurance?

What is Level Term Life Insurance?

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