There are different types of expat life insurance, for example, you may have heard of level term life insurance, decreasing term life insurance, and joint life insurance. We provide annually-renewable expat life insurance: you renew your policy each year without the need for medical questions or examinations, and your life benefit stays the same.
It’s essential to understand precisely what is covered and what isn’t covered by your international life insurance.
|Cover||Cause of death|
|Covered||Common causes of death (cancer, heart attack, accident, illness)|
|Death while you’re living & working abroad|
|Death while you’re in your country of nationality|
|Covered after one year||Suicide|
|Not typically covered||Death from a pre-existing medical condition|
|Death from negligence, illegal activity, or drug or alcohol abuse|
|Death due to war or terrorism in a country the British FCDO advises its citizens not to travel to|
|Death not reported to us within 12 months|
|Death while you’re in Iran, Libya, North Korea, South Sudan, Syria or Yemen|