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International Term Life InsuranceLife Insurance Awards Finalist 2016

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

Designed with Expats in Mind

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

Expatriate Healthcare’s level term life insurance, designed with expats in mind, is underwritten by certain underwriters at Lloyd’s.

Key Benefits of Term Life Insurance

    • Comprehensive ‘any cause’ cover
  • 1 – 10 year cover term

  • Worldwide protection

  • Underwritten by certain underwriters at Lloyd’s

  • Guaranteed premiums for Term

  • Monthly premiums from £/$/€10

  • Designed with Expats in mind

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What is Term Life Insurance?

Expat Term Life insurance provides protection to your family in the event of your death during your time overseas. Designed specifically with expats in mind, Expatriate Healthcare term life insurance offers worldwide protection and can cover periods of 1 to 10 years. We provide a comprehensive expat life insurance policy to give you and your family piece of mind whether abroad temporarily, or setting up a new life.

TERM LIFE INSURANCE FAQS

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About Level Term Life Insurance Plans

Providing financial security for your family’s future

A death in the family is a terrible event with which to have to come to terms. But what if that death occurs to one of the main income providers? The loss can have an even more significant effect on those left behind. Level term life insurance protects your family from the financial loss that they would suffer in the event of your death. The policy pays a lump sum, as determined by you at the outset, in the event of your death occurring during the term of the insurance.

Level term life insurance provides cover for a fixed annual premium for the duration of the cover and you can select cover for a term of 1 to 10 years. The sum insured remains ‘level’ for the period of cover so the full amount of the sum insured would be payable regardless of when a death occurred during the cover.

For an indication of how much Level Term Life will cost you complete our ‘Quick Quote’ panel (in the panel on the right of this page). If you have circumstances that are unusual please contact one of our advisors on +44 (0)20 3551 6634, email info@expatriategroup.com, arrange a call back by clicking ‘here’ or get live online help ‘here’.

Expatriate Healthcare’s level term life insurance, designed with expats in mind, is underwritten by certain underwriters at Lloyd’s.

For the Policy Summary in pdf format, please click here.

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Term Life Policy & Availability

The Term Life policy is only available to certain persons dependent upon their nationality and their country of residence. In all instances the policy must be issued to a country where underwriters hold an appropriate license.

Countries where we can contract with you¹

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.

Term Life Residence Coverage³

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.

Term Life Nationality Coverage

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.

    1. We are only able to contract with you at an address you own or in which you personally hold a financial interest.
    2. Each contract country may have its own laws pertaining to ‘knowing your customer’, sanctions regulations, taxation or another prerequisite to contracting your policy. Therefore these requirements may change depending on your final contracting country.
  1. Policies sold in Hong Kong, whilst being underwritten at Lloyd’s of London, 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.
  2. The country of residence and country of contract may be the same. However, if you are in a country of residence that is allowed, but that country is not a country where we can contract with you, then you may issue your policy to an alternative contactable address, subject to 1 above.
  3. Changing political landscapes means that the countries where underwriters are able to offer cover (or the terms at which they’re willing to offer cover) changes frequently. Therefore this list is offered for information only and the country in which you are resident (or area within your country in which you are resident) is subject to change without notice.

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.

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Trust Pilot


Excellent Service Excellent service when buying travel insurance. Good standard charge telephone support from an operator who answered ALL the questions immediately.
Excellent customer service, great value for money I have just renewed my annual travel insurance for the first time. I bought the policy a year ago, when I needed cover in a hurry, at a reasonable price.
Easy to sort out Friendly staff on live chat. Easy to set up a policy
Trusting This my second time that i bought an insurance with you and is a serious company and im very happy traveling safely
excellent comms I have just purchased an annual travel policy for myself and my partner. I had numerous questions, all of which were answered immediately and competently by the online chat service. Obviously I havent had to make any claim on the insurance so do not know how they would fair in this regard, but as for buying on line I could not fault them and would certainly recommend - subject to, as I said, any problems should I have to make a claim - but we all hope this will not be necessary.

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FAQs International Life Insurance


Can you provide an expat life insurance online quote?

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

Who are the international 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.

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

Although the policy provides you with worldwide protection and will 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 can be found here

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