Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insur...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Nov 3, 2021

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The Brief

  • International life insurance will pay your beneficiaries, no matter where in the world you were at the time of your passing
  • Rates are determined in the same way as domestic — through family history and health status
  • Travel insurance can protect you when you’re taking a trip, but it doesn’t offer the same level of protection that life insurance does

Traveling to a foreign country is exciting. While everyone hopes for a smooth journey, you can protect your loved ones financially by exploring life insurance companies that offer insurance to people leaving the country.

International travel life insurance might be unpleasant to think about, but your loved ones back home will appreciate your thoughtfulness should anything happen to you. Keep reading to find affordable life insurance companies that offer insurance to people leaving the country.

If you want to explore life insurance quotes from local companies, enter your ZIP code in our free tool above to get started.

Which life insurance companies offer insurance to people leaving the country?

In the last decade, nearly 1,000 Americans have died abroad. While you’re not likely to die out of the country, the risk increases the longer you spend traveling abroad or staying in foreign countries.

If you’re ready to buy international life insurance, you might not be familiar with all your options. Whether you’re going for business, school, or travel, there’s an option for you.

William Russell Expat Insurance

William Russell has been providing world travelers health and life insurance for 29 years. Their insurance members live in 160 countries around the world. You can also renew your policy annually without taking a medical exam.

  • William Russel Expat has plans specifically for people living or working abroad
  • For a plan of $250,000, you’ll pay about $22 a month
  • 95% of all claims are paid
  • You can apply online

Expatriate Group

Expatriate Group offers life insurance for ex-pats and international citizens until the age of 69. These life insurance plans are designed with ex-pats in mind.

  • Available in 171 countries
  • Expatriate Group offers comprehensive “any cause” coverage
  • There are also term insurance policies up to 30 years
  • Rates are guaranteed for the entire policy
  • Rates start at $10 a month
  • There is a convenient online app

Clements Worldwide

With Clements, you can choose from several currencies. In addition, Clements sets itself apart by offering up to $5,000,000 in coverage.

  • Plans start at $50,000
  • Clements will waive payments if you’re unable to work for six months or more
  • You can get an accidental death add-on
  • There are flexible payment options

Other International Life Insurance Options

If William Russel, Clements Worldwide, or the Expatriate Group don’t appeal to you, there are plenty of other companies that offer international coverage:

  • New York Life Insurance Group
  • Transamerica
  • MetLife Inc.
  • Lincoln National Corp.

Before you buy life insurance for international travelers from any company, understand your policy options. The kind of life insurance policy you choose will impact your life insurance rates.

Whichever company you decide to apply with, you should always notify it about your travel plans. There are life insurance companies that don’t offer insurance to people leaving the country and you can save yourself time by being upfront with them.

How are international travel life insurance rates determined?

There are two main types of life insurance: term and whole (also called permanent). In normal circumstances, you’d be covered as soon as your policy took effect.

For term life, plans typically start at ten years. Term life is excellent for people who don’t want to spend too much money on life insurance but have someone they want to protect in case of their passing.

This type of insurance is especially popular for parents with young kids.

However, if your kids are grown and you don’t have a mortgage or any other big bills, a whole life life insurance policy might be better. Monthly rates are higher for whole life, but you don’t have to worry about renewing your policy.

International life insurance rates are determined in the same way as domestic policies. Health conditions, family history, your age, and if you smoke will all be considered.

You’ll more than likely need to fill out a medical questionnaire and possibly take a medical exam. The medical exam is free – it usually consists of bloodwork.

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Should you buy international travel insurance instead?

Travel insurance is a great option for people looking to leave the country. However, travel insurance and international life insurance aren’t the same things.

Travel insurance is meant to protect travelers from unexpected events. For example, some travel insurance companies offer an Accidental Death and Dismemberment add-on. Still, it’s not meant to act like life insurance.

Travel insurance won’t pay for funeral expenses or pay off your mortgage.

However, you might consider combining life insurance with traveler’s insurance for the ultimate international coverage depending on your financial situation.

How to Find Affordable International Travel Life Insurance

With all the excitement of travel, it’s easy to forget all the little details. However, if you want to make sure the people you’re leaving behind are protected, international life insurance is an excellent choice for you.

Finding affordable life insurance companies that offer insurance to people leaving the country starts with comparing life insurance quotes from multiple companies. If you’re ready to start looking, enter your ZIP code in our free tool below.