International Life Insurance for Expats
Life, Disability & Income Protection
Life, Disability & Income Protection — tailored for globally mobile lives
Independent advice and quotes from leading international providers. Choose term life, critical illness, disability and income protection in USD/GBP/EUR with options built for expats and families.
Protect what matters most
Life abroad can be rewarding—and unpredictable. We help you secure the right combination of term life insurance, critical illness cover, total permanent disability and income protection so your family and business remain protected wherever you live or work.
- International coverage with multi-currency premiums (USD / GBP / EUR)
- Portable protection for expats, families, contractors and SMEs
- Flexible sums insured and benefit periods (incl. high-limit options)
- Clear guidance on medical underwriting & country eligibility
What can be covered?
Term Life
Lump-sum benefit to your beneficiaries if you pass away during the policy term. Choose coverage length and sum insured.
Critical Illness
One-time payout on diagnosis of specified serious conditions—helps cover treatment costs, debt and income gaps.
Disability
High-limit temporary or permanent disability protection—supports finances when you can’t work due to accident/illness.
Income Protection
Monthly income if you’re unable to work, with waiting periods and benefit durations tailored to your risk profile.
Our recommended providers
We compare plans and pricing from international specialists to match your needs and residency.
Atlas Life
High-value life, critical illness and disability protection backed by global reinsurers (Swiss Re & RGA). Built for individuals, families and businesses worldwide.
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Expatriate Group
Worldwide term life for expats (1–30 years) plus income protection that replaces earnings if you can’t work due to accident or illness.
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William Russell
International life up to 20× salary (to ~US$2m) with currencies in USD, GBP, EUR and AED. Income protection available for expats.
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Clements Worldwide
International high-limit temporary & permanent disability solutions, including coverage in higher-risk regions where many insurers exclude.
Learn MoreHow we help
Since 2008 we’ve helped expats and globally mobile families choose the right protection across markets and currencies. We’ll explain underwriting (medical questions, exams where applicable), waiting periods, exclusions, and portability if you move country.
We also coordinate with insurers on beneficiary designations, ownership structures (e.g., employer-paid or key-person), and evidence of insurability—keeping the process simple.
Start your life quote
Life insurance FAQs (for expats)
Can I buy international life cover if I’m not living in my home country?
Often yes—subject to residency, nationality and local regulations. We’ll confirm eligibility and which insurers can cover your situation.
Which currencies can I pay in?
Many plans allow USD, GBP or EUR (some also AED). We’ll match currency to your income or liabilities to reduce FX risk.
Do I need a medical exam?
It depends on age, benefit amount and insurer. Some cases are questionnaire-only; higher sums may require labs or an exam. We’ll guide you.
Is income protection different from disability insurance?
Income protection pays a monthly benefit while you’re temporarily unable to work. Disability policies can provide lump-sum or longer-term benefits for partial/total permanent disability.
Can coverage continue if I move to another country?
Many international policies are portable. Tell us about likely moves so we place you with a provider that supports future relocations.