Getting the right amount of cover can be difficult in many countries, especially if you are not a permanent resident or naturalised citizen and you can also renew annually without fuss.
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Reduced rates, increased benefits
In 2018 we introduced a total Life Plan cover limit of $2m (prevoiusly $1.5m) with the option to add up to $500k Accident benefit, giving you greater peace of mind that the future of your loved ones is secured and their lifestyle protected. If you are aged 18-54 with no claims, you may qualify for lower rates.See the benefits
Terminal illness cover
If you are diagnosed with a terminal illness reducing your life expectancy to 12 months or less, we will pay your life benefit early. That leaves you free to manage your estate during your lifetime, and enjoy your time with your friends and family with the peace of mind that your lifestyle is secure.
It's easy to apply
We will advise you of any medical requirements when we receive your application; normally, if you’re in good health, under age 50, and applying for life cover of less than US$750,000, we won’t require you to undertake a medical examination. If you are aged 18-54 with no claims, you may qualify for lower rates and for under 40s, rate reductions of up to 30% are available compared to 2017 rates.Apply now
application forms for personal plans
plan agreements for members whose current plan began or renewed in 2020
Financial security matters, regardless of where you’re living. With our income protection plan, you can receive a regular income benefit if you become unable to work due to an illness or injury. This way, you can protect the lifestyle of your family.
Our health plans are designed around expats. We work with medical providers across the globe and offer different levels of cover, allowing you to choose treatment options to suit an international lifestyle.