How much does life insurance for expats cost? Life insurance premiums increase with age, as your risk of dying is higher, the older you are. 

Here is a quick snapshot of what you can expect to pay based on average rates.

Age	Benefit US$1,000,000	Benefit US$750,000	Benefit US$500,000	Benefit US$250,000
35	$1,250	$938	$625	$313
40	$1,710	$1,283	$855	$428
45	$3,020	$2,265	$1,510	$755
50	$5,230	$3,923	$2,615	$1,308
55	$11,070	$8,303	$5,535	$2,768
60	$20,520	$15,390	$10,260	$5,130

What is life insurance for expats?

Life insurance for expats differs from regular life insurance, as it is unlikely for an insurer from your home country to cover you if you are a resident in another country.

Put simply, an expat life insurance policy is a financial compensation policy covering the insured member for death by accident or death by medical condition, where a lump sum of money is paid to your family (or other nominated loved ones) after your death. 

An example of death by accident is dying in a car accident, or falling over and dying from severe head injuries. Death by accident is covered by our life insurance policy.

An example of death by medical condition is dying from cancer, a heart attack, or stroke. Death by medical condition is also covered by our life insurance policy, as long as it is not a preexisting condition.

The life insurance we recommend for expats

There are hundreds of life and health insurance options available to expats. Most of the insurers offer very similar benefits in the benefit summary, but the real understanding of insurance lies in seeing how an insurer covers thousands of members, and how they are treated when in need. 

We are not a marketplace to compare every insurer and every rate – there are other aggregator sites who do that, leaving you to guess the right insurer, or having a consultant with a few weeks training “advising” you.    

We are simply a one stop shop for expats needing:

1. A great expat life insurance policy, or 
2. A great health insurance policy, or both. 
3. And to get their policy in place quickly, so they can get on with their busy life

Expat Health Group Life Insurance Premiums Calculator

*The life insurance rates provided are for illustrative purposes only and based on average estimates. Actual premiums vary depending on factors such as age, health status, lifestyle, occupation, country of residence, insurer underwriting criteria, and policy terms. Rates may change over time and are subject to approval by the insurer. For a personalized quote, contact us here.