Global Term Life Insurance for Expatriates Living Overseas

Protecting your loved ones when you live abroad is just as important when you are living abroad. International life insurance for expatriates is a fundamental part of any global financial security plan. Expat Financial is one of the few independent international life insurance brokerage sources in the world. We cater to individuals living outside the country that they hold a passport in, who want to buy life or accidental death and dismemberment (AD&D) plans.

We offer the expat term and year-to-year life insurance plans that can provide coverage from a minimum of $250,000 to $5 Million for expatriates residing in most countries. You can obtain a 1 to 30-year level premium and coverage policy while you are living abroad so you can protect your family from life’s uncertainties. The plan is not available to current residents of the USA and you must be an expatriate living abroad.

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Key Benefits of the Expat Term Life Plan

International Insurance for Expatriate

  • Comprehensive life insurance for death from illness or accidents
  • 1-30 year term options
  • Global protection once the plan is established
  • Premiums are guaranteed by the provider for the contract term
  • Coverage is designed for expatriates and global nomads
  • The plan is available to residents of up to 170 countries

Choosing the Right Global Life Insurance Policies

TFG Global or our associates can search the marketplace to provide quotations on a no-charge and no-obligation basis from well-known, financially secure and reputable insurance companies. We can also potentially help expatriates decide on the right amount of protection based on their unique circumstances. Note that our expat life plans are not available to local nationals or expatriates currently living in some countries, including the USA, Japan, Canada, and the UAE – please contact us for more information. If you are about to move outside of one of these countries, you can make the effective date the day you move abroad.

Expatriate Disability Coverage

You can also obtain a quote for an expatriate disability income insurance plan from the Expatriate Group by clicking HERE. This accident and illness insurance can provide you valuable protection against accidental death, permanent disablement and temporary disablement. The income protection policy pays you a monthly income from a total disability after a waiting period of 3 or 6 months.

Some Excluded Countries & Nationalities for the Expatriate International Life Insurance Plans:

Afghanistan, Albania, Benin, Burkina Faso, Burundi, Central African Republic, Djibouti, Eritrea, Guatemala, Guinea, Guinea-Bissau, Guyana, Iraq, Lebanon, Liberia, Libya, North Korea, Palestine, Rwanda, Sierra Leone, Somalia, South Sudan, Syria, Switzerland, Yemen. Additional exclusions could apply where high-risk nationalities are combined with high-risk territories. Additional countries or nationalities could also be restricted by the insurers we work with. We are not able to cover expatriates who will be living in the USA or Canada for expat life insurance – we encourage them to obtain a plan from a local insurer in their respective new countries.

Expat Insurance Needs Analysis

We recommend that you do an online expat life insurance needs analysis online or contact us to complete one. Many advisors recommend that you have enough life cover to pay off your debts and final expenses and also a pool of money left over to replace your income to support your partner and children. There is an excellent life insurance calculator via the Sun Life website.

The minimum life insurance amount that we can obtain quotes on is 250,000 or equivalent. Coverage available in GBP, Euro and USD.