What is international life insurance?

International life insurance provides coverage and financial protection to individuals who live or work in a foreign country or have ties to multiple countries. This insurance is designed to offer policyholders and their beneficiaries financial security in the event of the insured individual’s death, regardless of where that event may occur globally. These global plans can be tailored to meet the unique needs of expatriates, global travelers, and individuals with international connections. It can help cover expenses such as repatriation, estate planning, and maintaining a consistent standard of living for beneficiaries.

How are international life insurance premiums calculated?

Premiums are calculated based on several factors, similar to domestic life plans. This helps providers assess the risk associated with insuring an individual living abroad and determine a fair premium. Some of the key factors that influence the calculation of premiums are age, nationality and country of residence, coverage amount and term length, lifestyle habits such as smoking, and whether you include any additional riders.

Why might I need a global life plan?

Expatriates and global travelers might need a global life plan if their domestic life plan does not provide coverage for death abroad. These plans ensure that loved ones are financially protected, regardless of the policyholder’s location. It’s important to work with an experienced insurance advisor or financial planner when considering a global life plan, as individual needs and circumstances can vary greatly. If you want to procure a plan, click here for a free quote!

What types of global life coverage are available?

Insurers offer various global life coverage options designed for individuals with international lifestyles. These policies provide tailored financial protection and peace of mind for those who live, work, or have financial interests in multiple countries.

How do premium payments work for international life insurance?

Policyholders can choose to pay their international life insurance policy monthly, quarterly, semi-annually, or annually. They also have the option to pay in USD, EUR, or GBP. The selected premium currency is typically the same as the policy’s death benefit. It’s essential to read and understand the terms and conditions of your global life policy regarding premium payments. Consistently paying premiums on time is crucial to maintaining coverage and ensuring that your loved ones receive the intended benefits in the event of your passing.

What happens if I move to a new country after purchasing a global life policy?

Your global life policy should generally remain in force as long as you continue to pay your premiums, regardless of where you live. It’s crucial to inform your insurer about changes in your country of residence. They need to be aware of your change in residence to ensure your policy remains compliant with local regulations and to make any necessary adjustments to your coverage.

Can I name a beneficiary who lives in a different country as me?

Yes, you can name beneficiaries who live in different countries. The life insurance provider will pay the death benefit to your beneficiary or beneficiaries in the country where they are currently residing. The insurer does not tax the death benefit when it is paid. However, different countries may have legal or tax rules that could affect the payout, so beneficiaries should be aware of these regulations.

Are there tax implications for international life insurance?

Tax treatment of international life insurance death benefits can vary depending on the country where your beneficiary or beneficiaries reside at the time of your death. The life insurance provider will not tax the sum insured at the time of payout. You should consult legal and tax advisors in your beneficiary’s country of residence to understand any applicable laws or tax obligations.

International Life Insurance

Protect your loved ones and secure your future abroad with international life insurance designed for expats and global citizens.

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Protect Your Loved Ones with an International Life Plan

Designed for individuals with international lifestyles, these plans provide peace of mind and flexible protection across borders. Learn how global life insurance plans work, who they’re for, and how to choose the right coverage to safeguard your family’s future.

Living or working abroad comes with new opportunities and responsibilities, including protecting the people who matter most to you. International life insurance for expats offers global coverage that follows you, ensuring your loved ones are financially secure wherever you reside.

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Compare international life insurance plans and receive expert guidance to help you protect your family and financial future.

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Global Protection for a Global Lifestyle

Living or working abroad comes with unique challenges. International life insurance ensures your family is financially protected no matter where life takes you. These plans offer worldwide coverage, flexible premiums, and benefits that follow you wherever you go.

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Worldwide coverage for expats and travelers

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Term, whole, or renewable plans

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Pay premiums in multiple currencies

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Optional riders for disability, accident, or critical illness

Find the Right Plan for Your Needs

Select the type of international life insurance policy that aligns with your goals and lifestyle.

Term life insurance is a straightforward policy with level premiums and a consistent death benefit. Coverage durations typically range from 5 to 30 years, after which the policy expires.

Most term life plans are not renewable, so if you need further coverage after your term ends, you must purchase a new policy.

The sum insured, or death benefit, is only paid to the beneficiary if the policyholder dies while covered under a term life plan. If the policyholder is still living after their coverage term ends, no death benefit is paid, and premiums are not returned.

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Whole life insurance provides permanent coverage for the policyholder’s entire lifetime. As long as the policyholder continues to pay the premiums, the coverage remains in force until death.

While whole life plans are generally more expensive than term life plans, they offer the peace of mind that the death benefit is guaranteed to be paid out to the beneficiaries when the policyholder passes away.

This permanence and financial security are some of the key advantages of a whole life plan, making it a popular choice for individuals who want lifelong coverage and value the certainty of a payout.

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Atlas Life Insurance

The Atlas Life Insurance plan provides comprehensive international coverage tailored for globally mobile individuals seeking long-term financial protection, regardless of their location.

The plan includes a lump sum death benefit and an automatic terminal illness benefit if diagnosed. You can enhance your policy with optional critical illness and disability benefits for additional peace of mind.

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Plan Details

Calculate the Right Coverage for Your Family

Your coverage should reflect your family’s current and future needs, from mortgage and education to long-term financial security. Consider both immediate costs and ongoing expenses, as well as your retirement goals, to determine the ideal policy amount for you.

When calculating the amount of coverage to purchase, consider the resources you already have in place. For example, your spouse’s income, savings, investments, and any life insurance policies you already have. The difference between these is your coverage gap. There is no one-size-fits-all answer, but the following factors can help you calculate your coverage needs.

Immediate Cash Needs

Funeral Costs
Loans
Medical Bills
Mortgage Payments
Legal Fees
Debt
Estate Duties

Ongoing Cash Needs

Groceries
Housing
Healthcare
Utilities
Transportation
Insurance
Schooling

Future Cash Needs

Tertiary Education
Spouse Retirement

FAQs

International life insurance provides coverage and financial protection to individuals who live or work in a foreign country or have ties to multiple countries.

This insurance is designed to offer policyholders and their beneficiaries financial security in the event of the insured individual’s death, regardless of where that event may occur globally.

These global plans can be tailored to meet the unique needs of expatriates, global travelers, and individuals with international connections.

It can help cover expenses such as repatriation, estate planning, and maintaining a consistent standard of living for beneficiaries.
Premiums are calculated based on several factors, similar to domestic life plans. This helps providers assess the risk associated with insuring an individual living abroad and determine a fair premium.

Some of the key factors that influence the calculation of premiums are age, nationality and country of residence, coverage amount and term length, lifestyle habits such as smoking, and whether you include any additional riders.
Expatriates and global travelers might need a global life plan if their domestic life plan does not provide coverage for death abroad.

These plans ensure that loved ones are financially protected, regardless of the policyholder’s location.

It’s important to work with an experienced insurance advisor or financial planner when considering a global life plan, as individual needs and circumstances can vary greatly.

If you want to procure a plan, click here for a free quote!
Insurers offer various global life coverage options designed for individuals with international lifestyles.

These policies provide tailored financial protection and peace of mind for those who live, work, or have financial interests in multiple countries.
Policyholders can choose to pay their international life insurance policy monthly, quarterly, semi-annually, or annually.

They also have the option to pay in USD, EUR, or GBP. The selected premium currency is typically the same as the policy’s death benefit.

It’s essential to read and understand the terms and conditions of your global life policy regarding premium payments.

Consistently paying premiums on time is crucial to maintaining coverage and ensuring that your loved ones receive the intended benefits in the event of your passing.
Your global life policy should generally remain in force as long as you continue to pay your premiums, regardless of where you live.

It’s crucial to inform your insurer about changes in your country of residence. They need to be aware of your change in residence to ensure your policy remains compliant with local regulations and to make any necessary adjustments to your coverage.
Yes, you can name beneficiaries who live in different countries.

The life insurance provider will pay the death benefit to your beneficiary or beneficiaries in the country where they are currently residing.

The insurer does not tax the death benefit when it is paid. However, different countries may have legal or tax rules that could affect the payout, so beneficiaries should be aware of these regulations.
Tax treatment of international life insurance death benefits can vary depending on the country where your beneficiary or beneficiaries reside at the time of your death.

The life insurance provider will not tax the sum insured at the time of payout.

You should consult legal and tax advisors in your beneficiary’s country of residence to understand any applicable laws or tax obligations.

Helpful Guides for Choosing the Right Life Insurance

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International Life Insurance