Customers Covered*
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Plan Options

Our Expat Life Insurance Plans

People often purchase traditional life insurance to provide financial security should they die. The money is often used to cover university fees or pay off a mortgage. International Life Insurance offers this same level of protection for your family should you pass away, but it is designed for families like yours that live and work overseas. So whichever country you live in, or if you’re simply spending time travelling abroad, Expat Life Insurance is a family investment to safeguard their future should the worst happen

Easy Life Cover

This is for expats who need a simple and instant Life Insurance policy:

  • Instant cover
  • Terms from one to 20 years
  • Perfect for sedentary jobs
  • Best for those with non-hazardous hobbies
  • Apply online in under 10 minutes

Term Life Cover

This is for expats who need a little more from their Life Insurance policy:

  • Instant quote
  • Terms from one to 30 years
  • Adverse medical history considered
  • Hazardous occupations considered
  • Hazardous pastimes considered
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Policy Benefits

Key Benefits of our International Term Life Insurance Policies

When you purchase an Expat Life Insurance plan, you are in control. You decide on the amount you wish to insure your life for and how the money is distributed should you die overseas. Your loved ones will receive a cash lump sum following your passing, should you pay your premiums as per the policy terms.

Easy Life Insurance

If you want instant life insurance cover, you can apply for Easy Life online. We have made the entire purchase experience easier and less complicated, making it possible for you to get vital life insurance cover in less than 10 minutes.

If you’re living abroad and are aged between 18 and 49, have no adverse medical history, and do not have a dangerous job or hobbies, you qualify for Easy Life. The minimum term is one year, however, you can choose a policy term of up to 20 years, guaranteeing your premium for the whole of the period. Should you pass away, your loved ones could receive up to $500,000 (or currency equivalent).

Applying for Easy Life really is simple – just follow the online application process. You can purchase immediately upon acceptance. Our clever Expatriate Group system will intuitively know when you complete the form, whether you’re eligible for Easy Life or if Term Life cover is the more suitable life insurance option for you.

Term Life Insurance

Our Term Life Insurance is available to expatriates and international travellers living all across the globe. Both our policies will follow you wherever you go, and we can currently underwrite 171 countries of residence – and growing.

Term Life Insurance provides protection to your family in the event of your death during the term of the cover. This cover is better suited to individuals with adverse medical history, or those who have dangerous occupations or take part in hazardous hobbies. You must be aged 18 to 70 and select a term length from one to 30 years. Should you die whilst abroad, your loved ones could receive up to $6,500,000 (or currency equivalent).

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Term Life Insurance

Expat Life Insurance to Suit You

All Expatriate Group Life Insurance policies come with guaranteed premium and guaranteed cover* 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. Your premium and cover will be unaffected and guaranteed to remain the same for the duration of the policy term. We’re with you all the way!

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

Financial future

Insure your life for up to $6,500,000

Secure your family’s financial future in the event of your death. Cover up to $500,000* with Easy Life and $6,500,000* with Term Life.

* or the currency equivalent

Financial future

Insure your life for up to $6,500,000

Early cash sum

Terminal illness early payment

If you’re diagnosed with a terminal illness and have 10 months or less to live, Expatriate Group will pay your cash lump sum early.

Early cash sum

Terminal illness early payment

Relocation

No premium changes should you move

Whether you relocate to another country or your circumstances change, your premiums are guaranteed for the entire contact term.

Relocation

No premium changes should you move

apply online

Easy online application process

There are no complicated forms; you can get a quote and purchase life insurance online. Our team are always available should you have any questions.

apply online

Easy online application process

Protection

Putting your family first

You will have complete peace of mind that should the worst happen, your family will be financially safeguarded. They will receive the cash lump sum as detailed in your policy.

Protection

Putting your family first

Policy Benefits

The Benefit Schedule

For a full breakdown of Internal Life Insurance benefits for both Easy Life and Term Life, please see blow. However, don’t forget that both offer:

Easy Life Term Life
Instant Cover* Instant Quote
Death Benefit (for any cause) up to $500,000**
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
Click to get cover Click to get cover

* 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 by getting a Life Insurance quote today.

The minimum age at entry is 18 attained.

The maximum age at entry is 49 attained.

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.

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

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.

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.

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.

This really couldn’t be easier: simply get your Life Insurance quote online today by completing 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.

 

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Customers Covered
Active Policies
Global Countries

What our global customers say

Trying to secure life insurance with my medical history was incredibly difficult despite being well in myself now. However, Expatriate Group were incredibly helpful, talking me through the Term Life Insurance option as it was best suited to my needs. I was able to get a quote online and it was plain sailing from there. Great company and I would not hesitate to purchase again from them should I need any other insurance requirements.
Mrs Constavalos
International Life Insurance Customer
Lovely customer service when I called for help. Bought a Life Insurance policy online. As I’m currently stationed overseas it hasn’t been easy to find a company that could help me. All pretty simple really.
Mr Larry
International Life Insurance Customer
I emailed 5 or 6 companies for a quote for life cover and from the start Expatriate Group were the best. Best price, fastest reply, and just all-round best service. Even after I bought the policy, I had some more questions and answers were virtually instant. Buy here with 5-star confidence.
Mr Bayne
International Life Insurance Customer
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International Life Insurance FAQs

Want to know more about our Expat Life Insurance? Below, we have put together some of our most commonly asked questions about this product. However, you can always get in contact with us if you have any further questions.

How is Expat Term Life Insurance different to regular life insurance?

Both our Easy Life and Term Life policies are designed for expats, or anyone living or working overseas. Regular life insurance is better suited to individuals living in their home country. We are dedicated to ensuring expats and travellers have the protection they need, which is why we also offer International International Health Insurance, International Travel Insurance, and Expat Income Protection.

You can get a International Life Insurance quote online easily with Expatriate Group. We’ll provide you with an indication of premium in just a few seconds. You can also get quotes online for our other expat insurance products too, including International Travel Insurance, International Health Insurance, Corporate Health Insurance, and Income Replacement Insurance.

There are not many providers of international insurance benefits, as few companies provide the true international scope and presence to do so. Expatriate Group work with speciality international underwriters to ensure that their customers have access to appropriate underwriting capacity, tailored for expatriates and international travellers.

We can provide International Life Insurance to those living in: Alaska, Algeria, Andaman and Nicobar islands, Andorra, Angola, Argentina, Armenia, Australia, Austria, Azerbaijan, Azores, Bahamas, Bahrain, Bangladesh, Barbados, Belgium, Bermuda, Bhutan, Bolivia, Bosnia, Botswana, Brazil, Brunei, Bulgaria, Cameroon, Canada, Canary Islands, Cape Verde, Cayman Islands, Chile, China, Comoros, Congo, Corsica, Costa Rica, Crete, Croatia, Cuba, Cyprus, Czech Republic, Denmark, Egypt, Estonia, Ethiopia, Falkland Islands, Finland, France, French Guiana, Gabon, Gambia, Georgia, Germany, Ghana, Gibraltar, Greece, Greenland, Hong Kong, Hungary, Iceland, India, Indonesia, Ireland, Israel, Italy, Jamaica, Japan, Jordan, Kazakhstan, Kenya, Kosovo, Kuwait, Kyrgyzstan, Latvia, Lesotho, Liechtenstein, Lithuania, Luxembourg, Macedonia, Madagascar, Madeira, Malawi, Malaysia, Maldives, Mali, Malta, Mauritania, Mauritius, Mexico, Monaco, Mongolia, Montenegro, Morocco, Mozambique, Namibia, Nepal, Netherlands, New Zealand, Nigeria, Northern Cyprus, Norway, Oman, Panama, Paraguay, Peru, Philippines, Poland, Portugal, Qatar, Reunion, Romania, Russian Federation, Sao Tome and Principe, Saudi Arabia, Senegal, Serbia, Seychelles, Sicily, Singapore, Slovakia, Slovenia, South Africa, South Korea, Spain, Sri Lanka, St Helena, Swaziland, Sweden, Switzerland, Taiwan, Tajikistan, Tanzania, Thailand, Togo, Tunisia, Turkey, Turkmenistan, Uganda, Ukraine, United Arab Emirates, United Kingdom, United States, Uruguay, Uzbekistan, Vanuatu, Venezuela, Vietnam, Western Sahara, Zambia, and Zimbabwe.

Get your International Life Insurance quote online now.

If you outlive your International Life Insurance plan, the funds are then forfeited. Unfortunately, life insurance is not a savings plan; once you reach the end of your term, your coverage will end, and your payments are complete.

There are many benefits to purchasing an International Life Insurance policy:

  • Comprehensive life insurance for ‘any cause’
  • One to 30 year term options
  • Worldwide protection once the plan is established
  • Premiums are guaranteed for contract term
  • The coverage is specifically designed for expatriates and international travellers
  • The plan is available to residents in up to 170 countries

Get an International Life Insurance quote online today.

Term Life Insurance is when you choose the size of the pay-out and the term you are covered for once your policy has begun, no matter what changes are made. The premium and cover stay the same for the duration of your policy term.

Get your Term Life Insurance quote online now.

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Whether you’re travelling, planning a holiday, or are living overseas, having advice and inspiration at your fingertips can be helpful. View our expat guides and articles to make the most out of your time abroad.

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