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 is a fundamental part of any global financial security plans. 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 Expatriate Group Term Life plan that can provide coverage from a minimum of $50,000 to $6 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 residents of the USA.
Key Benefits of the Expat Term Life Plan
- 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 Expatriate Group for contract term
- Coverage is designed for expatriates and global nomads
- Easy online process with premiums payable directly to the provider
- The plan is available to residents of up to 170 countries
Choosing the Right Global Expat 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.
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 weekly sum in the event of temporary disablement or a lump sum in the event of permanent disability or accidental death. The plan is Underwritten by Lloyd’s of London and is design for expats and global citizens working abroad.
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, Yemen. Additional exclusions could apply
where high risk nationalities are combined with high risk territories. 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 Life Insurance Needs Analysis
We recommend that you do an online expat life insurance needs analysis online or contact us to complete one. Many advisors recommed 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 web site.
The minimum life insurance amount that we can obtain quotes on is 50,000 or equivalent. Coverage available in GBP, Euro and USD.
The coverage is issued by Expatriate Group, which places the risk with secure global insurance companies and reinsurers. Premiums are payable directly to the Expatriate Group for your protection, which you can pay by check, wire or credit card. Please make sure you read the policy wording & terms of business via the quote page provided by Expatriate Group.
We may be able to offer other plans are also available upon request. The premium may differ depending on your health, citizenship, country of residence etc… and the above plan may not may not be available or we may not be able to assist you with securing coverage for a variety of reasons. If you would like to discuss your global life insurance needs or you require more information, please go to the Expat Quote Form or you can use our Contact Page.