International life insurance for expatiates

We help expatriates arrange international life insurance and provide free quotes for annually renewable life insurance and level term life insurance. You can use the Friends Provident International cover calculator to calculate the right amount of life insurance for you.

Annually renewable life insurance

Company: William Russell

Annually renewable life insurance provides cover for one year at a time. This type of life insurance is available to a wider range of nationalities in a wider range of countries and is normally easier and quicker to arrange. If you are under the age of 46 and apply for life insurance equivalent to GBP 150,000, you will not need medical examinations and blood tests enabling you to be insured quickly. The cost of insurance may increase when you renew your policy depending on your age. Annually renewable life insurance policies payout out only on the death of the insured before the policy ends. The policies are available on a single life basis therefore a couple will need one policy for each person insured.

Medical requirements

If you are under the age of 46 and healthy, the insurer may not require a medical and insure you immediately, otherwise they may request you have a minor medical examination and blood test for HIV and Hepatitis B. If you have had any recent medical concerns, tests or surgery the insurer may request a copy of the doctor’s report. If you do not have one the insurer may want to contact the doctor involved for further information.

Level term life insurance

Company: Friends Provident International

Level term life insurance provides insurance for a fixed number of years. The monthly or annual premium is agreed before the insurance policy starts and once you are insured does not increase. Level term insurance policies only payout on death before the end of the policy or up to one year before death if the policyholder is diagnosed with an incurable illness and a short term to live. These policies are available on a single or joint life basis.

Medical requirements

The insurer may also request you have a minor medical examination and blood test for HIV and Hepatitis B. If you have had any recent medical concerns, tests or surgery the insurer may request a copy of the doctor’s report. If you do not have one the insurer may want to contact the doctor involved for further information.