What Is Expat Term Life Insurance?
Expat term life insurance is life cover designed for people who live, work or travel outside their home country. Unlike many domestic policies, which can become invalid once you move abroad for an extended period, our policy is built to follow you across 171 countries, with your premium and cover guaranteed for the full term regardless of where you relocate.
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
Policy Benefits
Key Benefits of Our International Life Insurance for Expats
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).
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!
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.
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.
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.
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.
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.
Policy Benefits
The Benefit Schedule
For a full breakdown of International 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 our global customers say
Our Partners
International Expat Life Insurance FAQs
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.
Can you provide an online Life Insurance quote?
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. For corporate customers we have also launched Expat-Pay which is cashless health insurance.
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 Group work with speciality international underwriters to ensure that their customers have access to appropriate underwriting capacity, tailored for expatriates and international travellers.
Are there any restrictions to where I can reside when the policy is purchased?
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.
What happens if I outlive my Expat Life Insurance?
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.
What are the benefits of International Life Insurance?
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.
What is Level Term Life Insurance?
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.
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 I need a UK address for expat term life insurance?
No it is not necessary to have a UK address to purchase an expat term life insurance policy.
Are there any restrictions?
Not many. To see if you qualify for cover, please get a life insurance quote.
Latest Worldwide Expat News
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.
Featured In
