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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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

UPDATED: Jul 14, 2021

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Facts You Should Know

  • Traditional life insurance plans may deny coverage for missionaries traveling abroad
  • Missionaries’ life insurance rates may be high if they find coverage with a life insurance company
  • International life insurance policies provide good missionary insurance and cost $7.95 a month for coverage of $100,000

Missionaries travel abroad to promote religion. Their work can take them to potentially dangerous places. Missionaries’ life insurance rates will be high because they are considered high-risk by many life insurance plans.

Usually, missionaries will look for term life insurance, unless they plan on working overseas for more than a few years.

Most missionaries will need international life insurance coverage. International term life insurance starts at $7.95 per month and offers varying terms to fit the timeframe of the mission.

Find affordable missionaries’ life insurance rates today. Enter your ZIP code to compare free quotes from top insurance companies for life insurance for missionaries.

How affordable are missionaries’ life insurance rates?

Many insurance companies only provide life insurance coverage in the United States. A life insurance policy may not take effect if the missionary dies while overseas during a mission.

According to life insurance health classifications, health is not the only determining factor for coverage. Traveling abroad to remote and potentially dangerous areas may mean your insurance company will deny coverage.

Some companies do provide life insurance for missionaries. Missionaries who do find coverage with life insurance companies may pay extra premiums due to the danger and risk associated with their vocation.

Where the mission is based may also affect your rates. Prudential life insurance company will offer an extension of coverage to certain countries only.

Many missionaries find affordable coverage with an international life insurance policy. Expat Financial international term life insurance has rates as low as $7.95 per month for a $100,000 policy.

Average Monthly Missionaries Life Insurance Rates by Coverage Level
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Missionaries frequently spend two or more years abroad on a mission. They will require an international life insurance policy for coverage if their death happens while overseas.

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Can missionaries receive group life insurance?

Ask A Missionary, says if a church or mission group funds a trip, they will sometimes provide life insurance for their missionaries.

Some missionaries can find group term life insurance coverage through their church as part of mission trip insurance. A group life insurance policy may not provide the same amount of coverage as what a missionary could purchase individually.

How can you save on missionaries’ life insurance rates?

Due to the dangers missionaries face traveling to potentially dangerous areas, insurance companies usually rate missionaries as high-risk. And even if coverage is provided, they may deny coverage for a death that happens overseas.

The most affordable way to buy missionaries life insurance is to seek out international term-life policy providers.

Another great way to save is to investigate smaller life insurance companies that have policies designed specifically for missionaries, which may be available through your church group.

Where the mission is based will also affect your rates. Mission work based in Europe will see lower rates for life insurance compared to missions in countries with civil war and strife.

As with any life insurance policy, staying in the best health possible will also impact the rates for good missionary insurance.

Hopefully, now you know more about missionaries’ life insurance rates. Enter your ZIP code for free missionaries’ life insurance quotes from top insurance companies today.