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: Oct 29, 2021

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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

  • Life insurance companies consider living abroad to be risky
  • Life insurance for Americans living abroad will cover you wherever you live
  • Applicants should be in the U.S. when applying for coverage

Living abroad is considered riskier than living in the United States, but life insurance quotes are available if you’re overseas. However, options for coverage are limited, and you need to be in the U.S. when applying.

Knowing about life insurance companies that offer term life insurance for an American living abroad will help you find the right policy.

Before learning about life insurance companies that offer term life insurance for an American living abroad, enter your ZIP code to find free life insurance rates in your area.

How does coverage from life insurance companies that offer term life insurance for an American living abroad work?

Life insurance companies determine eligibility and rates based on risk. With a high-risk applicant, the company is more likely to be required to pay the death benefit before the policyholder has paid the full premium.

Insurance companies consider living in a foreign country to be a high-risk factor. For this reason, there are many life insurance companies that don’t offer term life insurance for an American living abroad.

While the risk of living abroad is considered, where you live is also impactful. Affordable life insurance companies that offer term life insurance for an American living abroad compare countries based on safety.

If a country is considered safe, customers can receive more coverage options and lower life insurance companies’ rates that offer term life insurance for an American living abroad.

Another factor is when you get your insurance coverage. In most cases, there won’t be an effect on your policy if you’ve purchased Aviva life insurance moving abroad. However, it can be more difficult to obtain coverage after leaving the country.

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What policies are available from life insurance companies that offer term life insurance for an American living abroad?

Life insurance companies offer permanent life and term life insurance quotes to customers living abroad. According to the Insurance Information Institute, there are various ways to determine the best coverage.

Term life insurance is often the best choice because it provides more options and lower rates. This type of coverage covers a fixed period and usually starts with a 10-year term.

Looking for life insurance companies’ quotes that offer term life insurance for an American living abroad is important because many policies only cover you in the United States.

Overseas policies will cover you regardless of where you are in the world, ensuring your family will receive a payout.

What should you consider when buying coverage from life insurance companies that offer term life insurance for an American living abroad?

There are certain things that you should consider when buying international life insurance. Knowing these considerations will ensure that there aren’t any complications when the time comes to receive a payout.

Some of the most important things to consider when purchasing overseas coverage, like Aviva expat life insurance, include:

  • Naming a beneficiary
  • Remaining in the U.S. for the application process
  • Using a U.S. residential address and bank account

Here is some more information on these considerations.

Naming a Beneficiary

Naming a beneficiary is an essential part of buying life insurance. You can name anyone as your beneficiary, but a foreign national could create problems.

If your beneficiary isn’t American, the company might question why you’re looking into a company based in the U.S., if you have financial ties to the U.S., or if you’re planning on moving back to the country in the future. Naming an American as your beneficiary will help you avoid complications.

Applying in the United States

There are multiple steps involved with applying for life insurance. These steps include:

  • Solicitation
  • Application
  • Underwriting/medical exam
  • Issuance/policy acceptance

Many life insurance companies require the entire application process to take place in the United States. The process can take anywhere from three to eight weeks, and the company might track your IP address if you’re applying online to make sure you’re in the country.

Maintaining a U.S. Address and Bank Account

It’s common for insurance companies to require that applicants maintain a U.S. residential address. The company will associate your policy with that address and follow the requirements of your residential state.

You might also be required to provide a U.S. bank account. This domestic account allows the life insurance company to set up monthly deductions, ensuring your premium payments are received.

Life Insurance Companies That Offer Term Life Insurance for an American Living Abroad: The Bottom Line

Buying life insurance abroad can be more difficult, as life insurance companies consider living in other countries riskier. However, policies are available for those living overseas, as long as you’re in the country when you purchase coverage.

Understanding life insurance companies that offer term life insurance for an American living abroad will help you find coverage.

Now that you know about life insurance companies that offer term life insurance for an American living abroad, enter your ZIP code to get free life insurance quotes in your area.