Unisure is a global insurance company offering worldwide coverage for both health and life insurance, providing flexible, portable solutions that move with you wherever life takes you.
Unisure provides global protection for individuals, families, and organizations, offering benefits tailored for expatriates, internationally mobile professionals, and companies with employees in multiple countries. Their plans provide hard-currency protection, worldwide portability, and a streamlined digital onboarding process that includes their innovative Face-iT health scan technology.
Unisure Individual Term Life Insurance
Unisure’s international individual life insurance plan is designed for expatriates and global citizens. Unlike many domestic life insurance plans, it will provide financial protection for your family if you pass away while living abroad, wherever you are. Coverage and premiums are guaranteed for the duration of the policy term, even if you relocate or change jobs.
Unisure’s application and underwriting process are fast and digital. Applicants complete a short health questionnaire set and the Face-iT Scan, which uses biometric data to provide a personalized health score and can offer instant coverage up to certain limits.
Individual Term Life Insurance Highlights
Fast, Digital Onboarding
Unisure’s Face-iT Scan and short health questionnaire make the application process quick and convenient, often reducing the need for full medical exams.
Instant Cover Up to Set Limits
Eligible applicants can receive immediate life insurance coverage up to predefined limits, providing quick protection without underwriting.
High Coverage Amounts
Individuals can apply for up to $6 million in life insurance, offering robust financial protection for their families.
Guaranteed Level Premiums
Premiums remain fixed for the entire policy term, providing policyholders with predictable, stable long-term pricing.
Global Portability
The plan is designed for expatriates and internationally mobile clients, allowing coverage to remain in force as long as the policyholder resides in an eligible country.
Digital Legacy Vault
Store your important documents securely online, including your Will and account details, so loved ones can access essential information when needed.
Unisure International Life Insurance
Secure financial peace of mind with trusted Unisure plans for individuals and groups.
80 years This is the age at which the cover will end
Premium, Term, and Cover Options Available
Guaranteed, level premium pattern
Terms between 1 and 30 years available*
Cover from $50,000 up to $6,000,000
Instant Cover available without Medical Underwriting Up to $750,000 cover (up to age 45) and up to $500,000 cover (up to age 55)1
Flexible Cover Option Increase cover by up to 50% on valid life events with no medical underwriting2
*Terms and Conditions apply
1 Underwriting requirements: all policyholders must complete an initial question set and a Face-iT® Scan. Cases flagged in the initial question set and policies with cover amounts above the instant cover limits will be referred for medical underwriting.
2 The increase in cover is limited to 50% of the original insured amount up to a maximum of $250,000 and can only be exercised up to age 55.
Advanced Payment of Cover
Advanced Payment
$5,000 to cover funeral and immediate expenses
Repatriation of Mortal Remains
$5,000 if death occurs outside of the home country
Key Features and Benefits
Unisure’s Face-iT Scan
Unisure’s application journey uses the Face-iT Scan, an industry-leading facial scan that captures biometric markers and provides a personalised health score. Together with a short online questionnaire, this can allow instant coverage up to specified limits without full medical underwriting.
Cashback on Your Premium
Policyholders who complete regular Face-iT scans during the policy year can earn cashback on renewal. Depending on the number of scans completed and your average Face-iT score, you may receive up to 10% cashback on your annual premium, capped at a set amount per year, subject to Unisure’s terms and conditions.
Flexible Cover Options for Life Events
On certain life events, such as marriage, the birth or adoption of a child, a significant increase in earnings, or taking out or increasing a mortgage, you may be able to increase your life cover without full medical underwriting. The Flexible Cover Option typically allows you to increase coverage by up to 50% of the original sum assured, subject to specified maximums and age limits, and in accordance with plan rules.
Advanced Payment and Repatriation Benefits
If a claim is admitted, Unisure can make an advance payment of a portion of the sum assured to help with funeral and immediate expenses, subject to policy limits. There is also a benefit toward the cost of repatriating mortal remains if death occurs outside the policyholder’s home country.
Digital Legacy Vault
Secure digital records of your Will & Testament, password, and online identity.
Unisure International Life Insurance
Secure financial peace of mind with trusted Unisure plans for individuals and groups.
Unisure calculates your premium based on factors such as your age, gender, nationality, residence, salary, smoking status, and the duration of coverage you require. Life insurance premiums are personalised for each applicant.
Policies can be issued in USD, GBP, or EUR, and premiums can be paid monthly, quarterly, semi-annually, or annually. The policy will remain in force as long as premiums are paid. If you cannot pay your premium on time, Unisure provides a defined grace period; if payment is not received by the end of that period, the policy will lapse, and coverage will cease. If you die during the grace period, any unpaid premiums may be deducted from the benefit amount.
The table below gives an idea of typical monthly premiums for different age groups with a ten-year term life policy and $100,000 life benefit:
Age
Approximate Monthly Premium*
25 years
$8
35 years
$11
45 years
$22
55 years
$53
65 years
$135
*Premium amount for a healthy, non-smoking male.
Unisure Individual Term Life Eligibility
You must be at least 18 and not older than 69 at the time of application. Cover can continue up to age 80, depending on the policy term selected.
Unisure’s policies are flexible, allowing you to adjust your level of cover in line with key life changes, subject to policy terms and underwriting conditions.
U.S. citizens living abroad may apply for an individual term life plan from Unisure, but the policy can only be issued while they are physically outside the United States.
Territory Exclusions
Unisure cannot currently consider applications from anyone who is a citizen of or currently resident in the following territories:
Africa
Benin
Burkina Faso
Burundi
Central African Republic
Djibouti
Eritrea
Guinea
Guinea-Bissau
Liberia
Libya
Rwanda
Sierra Leone
Somalia
South Sudan
Sudan
Suriname
Asia
Afghanistan
Iran
Iraq
Myanmar
North Korea
Palestine
Syria
Yemen
South America
Guyana
Venezuela
North and Central America
Cuba
Guatemala
Europe
Albania
Unisure cannot accept applications from anyone resident in Belarus, Israel, Jordan, Lebanon, Russia Federation, or Ukraine. Applications for citizens of these countries, who are permanently resident in other countries, are considered on a case-by-case basis.
Unisure cannot consider applications from anyone who is a citizen of and currently resident in the following territories unless further information about the applicant’s annual salary and education level are provided.
Papua New Guinea
Pakistan
Niger
Nicaragua
Laos
Ivory coast
Honduras
Haiti
Equatorial Guinea
El Salvador
Ecuador
East Timor
Democratic Republic of the Congo
Colombia
Chad
Cambodia
Unisure is unable to cover the following lives:
Citizens of China who are resident in China
Citizens of Japan who are resident in Japan
Citizens of Mauritius who are resident in Mauritius
Citizens of Singapore who are resident in Singapore
Citizens of Switzerland who are resident in Switzerland
Unisure International Life Insurance
Secure financial peace of mind with trusted Unisure plans for individuals and groups.
Unisure offers comprehensive group international health solutions for global employees, remote workers, and globally mobile teams. Coverage is available to many nationalities and can include both expatriate employees and eligible local nationals.
The Umatter International Private Medical Insurance plan offers flexible modules and benefit levels, allowing you to tailor coverage to your workforce. Employers can combine core inpatient coverage with outpatient care, family and maternity benefits, preventive health and wellness services, and vision and dental options. Plan design can include a range of excess, co-pay, and deductible structures, including zero-deductible options where available.
Unisure has served hundreds of thousands of clients in over 130 countries, focusing on flexible benefits, portable insurance, and hard-currency protection for international employers.
Umatter Group Health Plan Highlights
Multiple packages and module options that you can mix and match
Flexible excess (deductible), co-pay, and cost-sharing designs
Benefit modules that can include inpatient and outpatient care, family and maternity cover, health and wellness, and vision and dental benefits
For organizations that need protection beyond medical coverage, Unisure also offers international group life insurance with optional Accidental Death & Dismemberment (AD&D) benefits.
International Group Life offers a lump-sum benefit if an insured employee passes away due to an accident or illness, with worldwide coverage, excluding countries subject to sanctions. Cover is typically available for:
Minimum Group Size: Five employees
Benefit Amounts: Up to 6 times annual basic salary, or up to USD 1.8 million per employee
Cover Structure: Salary-based or flat sums insured, subject to caps at the claim stage
The AD&D rider can provide an additional lump sum if death is caused by an accident and proportional benefits for covered accidental dismemberment events.
Policies can be arranged in USD, EUR, or GBP and usually include a rate guarantee period of up to two years, with a minimum annual premium requirement. Additional rider options may include Critical Illness (accelerated death benefit), Passive War and Terrorism coverage, and a Spouse and Dependents lump sum funeral benefit, all subject to underwriting and plan terms.
Connect with a Global Benefits Advisor
Experts in sourcing and implementing global insurance plans
We’ve built steadfast partnerships with carriers worldwide
Unisure’s International Individual Life Plan is a true global life insurance solution that can cover many nationalities in a wide range of countries. The plan combines hard-currency protection with fast digital onboarding using the Face-iT Scan, the potential for instant cover up to specified limits, cash-back rewards for tracking your health, and flexible options to increase cover at key life events. This makes it especially popular with expats and globally mobile professionals.
Yes. Unisure offers group health insurance plans for companies with global employees, including expatriates and eligible local nationals. Their Umatter international medical plan is modular and flexible, with multiple benefit levels and cost-sharing options.
No, Unisure does not provide cover for individuals who are currently living in the United States.
U.S. citizens residing abroad are eligible, with all applications subject to standard underwriting and applicable local regulations.
Unisure provides a 30 day cooling off period which allows customers to cancel their policy and receive a refund of any premiums paid. If you cancel your policy after the cooling off period, Unisure will not refund any money and your coverage will continue until the next premium due date.
Ideally, you will want enough to pay for your family’s immediate needs, such as funeral costs, medical expenses, mortgage payments and credit card debt; ongoing needs such as food, housing, and insurance payments; and future needs such as your spouse’s retirement and your children’s education. Unisure has a life insurance calculator you can use to determine what value of benefits you need.
Yes, Unisure allows you to change your beneficiary at any point. You must submit a beneficiary change request form so Unisure can update your policy.
If you do not die during the term of your policy, then your plan expires.
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