Expats Life Insurance Rates (2021)
Life insurance for expats is a must-have if you regularly travel or choose to live abroad. Domestic life insurance policies won’t cover you if you should pass away while outside the country. International life insurance usually offers affordable term life insurance policies which can be customized to the length of your stay.
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UPDATED: Apr 29, 2021
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- 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:
- 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.
|Protective||Haven Life||Mutual of Omaha|
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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.