Expat International Life Insurance delivers 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, covering 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.
Plan Options
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
This is for expats who need a simple and instant Life Insurance policy:
This is for expats who need a little more from their Life Insurance policy:
Policy Benefits
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.
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.
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
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
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.
Financial future
Early cash sum
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
Relocation
Whether you relocate to another country or your circumstances change, your premiums are guaranteed for the entire contact term.
Relocation
apply online
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
Protection
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
Policy Benefits
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
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.
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. For corporate customers we have also launched Expat-Pay which is cashless health 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:
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.
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.
No it is not necessary to have a UK address to purchase an expat term life insurance policy.
Not many. To see if you qualify for cover, please get a life insurance quote.
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.
