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INTERNATIONAL LIFE INSURANCE FOR EXPATS |
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We send expatriates free international
life insurance quotes and help them arrange the following type of
life insurance:
Annually
Renewable Level Term
Whole of Life
When you want to apply we guide you through the application process and keep you informed of progress. We do not charge a free for our service
since our remuneration is derived from the insurer.
Check the Friends Provident International
Cover Calculator
to estimate the life cover you need.
Annually renewable life insurance
(Generally quicker to arrange and accepts most countries of residence)
Company: William Russell
This type of life insurance policy provides
cover for one year at a time and is very
simple to renew each year. Annually
renewable insurance is available to a wider
range of nationalities in a wider range of
countries and is normally easier and quicker
to arrange than other types of life
insurance. 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.
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Level term life insurance
(Availability depends on current place of residence)
Companies: Friends Provident International and Zurich International
This type of life insurance policy is used to
insure yourself for a fixed number of years,
usually until your children are educated and old
enough to look after themselves. 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 policy holder
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've 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.
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Whole of life insurance
(Slower to arrange and investment performance based)
Company: Zurich International
This type of insurance policy is available on a
single or joint life basis and is often arranged
on a (joint life - second death basis) to leave
beneficiaries enough money to pay inheritance
tax. Whole of life insurance policies are
investment based. The insured must select
investment funds for their policy. If the value
of the investment funds in the policy is not
sufficient to provide the required payout the
insurance premium you pay may be increased. The
insurance terms are reviewed after five years
and annually there after to ensure cover meets
your requirements you. Whole of life insurance
can take longer to arrange than annually
renewable insurance because of the medical
reporting requirements.
Medical requirements
When the insurance company has read your
application they may request you have a minor
medical examination and blood test for HIV and
Hepatitis B. If you've 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.
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