Jeffrey Manola is an experienced life insurance agent and the founder of Top Quote Life Insurance. His mission when he created Top Quote Life Insurance was to provide online consumers searching for life insurance with the absolute best quotes for term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance. Not only does he strive to provide you with the ...

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Written by Jeffrey Manola
Founder & Licensed Agent Jeffrey Manola

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insur...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Jun 30, 2022

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Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.

Facts You Should Know

  • Traditional life insurance does not provide coverage when you are outside the country
  • International insurance protects the policyholder in most countries
  • Expat life insurance is ideal for those who travel frequently and also those who live abroad

If you are preparing to go live abroad, you may need to look into life insurance for expats. It is always important to make sure your family is financially protected, no matter where you are.

Purchasing life insurance when you live in another country is a good way to do that. Keep reading to learn more about international term life insurance, whole life insurance, and if you should purchase a policy when you move.

Are you ready to buy life insurance for expats? Enter your ZIP code above, and we will help you find a local company that is right for you.

What is Expat life insurance?

If you are part of the growing number of expats worldwide, expat life insurance or international life insurance is a way to provide you with coverage even when you live outside your home country.

Life insurance policies purchased in one country do not generally cover you if you should pass away while abroad. For this reason, if you live in another country and want to remain covered, it is important to purchase a separate life insurance policy.

There are both term life and whole life insurance policies available for expats. Term life insurance options are generally the most cost-effective option for individuals and families.

Term life insurance is affordable, and if you are otherwise healthy, there is no real reason to spend the extra money on a whole life insurance policy.

What kind of coverage does international life insurance provide?

International life insurance companies will provide varying degrees of coverage, but most will cover death due to accidents and sudden illnesses.

International policies generally do not cover the same incidents that domestic policies do, including:

  • Suicide
  • Pre-existing health conditions
  • Death due to dangerous, high-risk activity
  • Gross negligence

Some insurance companies will have riders for additional scenarios, such as acts of war or terrorism, that can be covered at an additional cost.

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Do I need expat life insurance?

While the name suggests that international insurance is only necessary if you live outside the US, expat life insurance is also a great choice for those who travel regularly.

Because the coverage offered by international life insurance is so broad you are generally going to be covered should the unthinkable happen, unless you travel to a prohibited country

If you are healthy and have saved enough to cover your final expenses, you may not need international life insurance, and accidental death or dismemberment insurance may be enough to protect you.

However, if you are concerned about the financial aspect should you pass while traveling or living abroad, a term life insurance policy can be a great way to keep yourself covered.

To get an idea of the cost of expat life insurance rates, here are a few term life insurance quotes for a 30-year-old woman in excellent health. The policy quoted below offers $100,00 in coverage.

Term Life Insurance Rates for 30-Year-Old Females
 ProtectiveHaven LifeMutual of Omaha
Monthly Rate$7.56$7.97$9.59
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Now, an international policy may be more or less expensive, depending on the provider, but these quotes will give you a baseline when trying to determine the cost of life insurance abroad.

Are you ready to start shopping around for the perfect life insurance policy? Enter your ZIP code below, and we will help you find life insurance for expats, international life insurance, and international life insurance companies near you today.