Sara Routhier

Sr. Director of Content

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...

Sr. Director of Content

Laura Kuhl

Managing Content Editor

Laura Kuhl holds a Master’s Degree in Professional Writing from the University of North Carolina at Wilmington. Her career began in healthcare and wellness, creating lifestyle content for doctors, dentists, and other healthcare and holistic professionals. In 2018, she started writing for the cannabis industry. She curated news articles and insider interviews with investors and small business ...

Managing Content Editor

UPDATED: Jun 30, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance provider and cannot guarantee quotes from any single provider. Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance related. We update our site regularly, and all content is reviewed by life insurance experts.

The Brief

  • SCOR Global Life Insurance is a life reinsurance company 
  • Reinsurance helps insurance companies share the burden of coverage for individuals who are considered too great of a hazard to insure
  • If you are a high-risk or substandard client, then you can expect your life insurance rates to be higher than average based on your age and gender

When looking for the perfect life insurance company, you will want to consider all of your options. If you are trying to determine where to buy life insurance, SCOR Global life insurance may be what you need in regard to life insurance coverage.

SCOR Global offers life reinsurance policies through an underwriting process. This allows otherwise uninsurable people to receive life insurance coverage and helps life insurance companies share the burden, so as to avoid the danger of going bankrupt.

If you are considering purchasing life insurance, you should shop around to find the best possible life insurance coverage in your area. This will help you ensure that you are not overpaying for coverage.

In fact, you can use our free quote tool above to find life insurance coverage that will work for you with rates you can afford today. 

What is Global Life reinsurance?

SCOR’s Global Life reinsurance helps multiple insurance companies shoulder the burden of certain policyholders so that no insurance companies experience bankruptcy.

SCOR Global Life reinsurance ranks among the top four reinsurance companies in the world. The company focuses on a complete range of protection, longevity of success, and finding helpful and timely financial solutions for clients and companies alike.

SCOR Global Life’s mission is to leverage information on risk and technology to cultivate a positive experience for the consumer while protecting life insurance companies from financial ruin.

Like most reinsurance companies, Global Life offers the following benefits:

  • Transfer of risk – Companies can share and transfer risky clients with other companies
  • Arbitrage – Companies can purchase and sell assets in different markets to benefit from the price difference
  • Capital management – Companies are able to absorb losses by passing risk and freeing up additional capital
  • Solvency margins – Companies can purchase surplus relief insurance in order to accept new clients without raising capital
  • Expertise – Companies can obtain higher ratings and premiums by benefitting from one another’s expertise

SCOR Global Life is regulated on a state-by-state basis. This directive in the U.S. helps to ensure that the market remains fair in terms of rates and products for individual protection. In accordance with remaining in the reinsurance market, Global Life insurance must continually prove its financial solvency in order to pass regulations.

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How much is a life insurance policy with Global Life Insurance?

As a reinsurance company, Global Life Insurance does not offer its own life insurance policies. Instead, SCOR Global Life helps life insurance providers assess and share risk in order to offer policies to every type of consumer.

If you are a standard policyholder, your rates will be close to the average that you find in your area. You can speak to friends and coworkers to discover how much they typically pay for life insurance coverage. However, if you are a substandard or high-risk client, you can expect your life insurance rates to be higher than average.

The table below displays average annual life insurance rates for both standard and substandard clients of different ages.

Average Monthly Term Life Insurance Rates for AFib Patients by Rate Class, Age, Gender, and Policy Amount

Rate ClassificationAgeMale
Substandard – 50% over Standard40$23.49$20.34$41.67$34.41$75.60$62.63
Substandard – 100% over Standard40$29.57$25.37$53.81$44.03$98.96$81.66
Substandard – 150% over Standard40$35.58$27.08$64.38$53.86$120.49$94.02
Substandard – 50% over Standard50$49.22$38.98$98.11$73.17$187.19$137.23
Substandard – 100% over Standard50$63.87$50.22$129.06$94.63$247.74$181.13
Substandard – 150% over Standard50 $78.93$60.45$152.46$115.80$293.77$221.02
Substandard – 50% over Standard60$126.00$86.10$251.41$175.83$492.75$337.70
Substandard – 100% over Standard60$166.25$113.05$333.37$232.60$655.15$448.42
Substandard – 175% over Standard60$196.66$136.73$403.21$285.59$795.27$550.68

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As you can see, your age and classification will impact your life insurance costs more than anything else. In order to find affordable life insurance rates, you will want to compare quotes from multiple companies. If you are considered high-risk, this could be your best bet when it comes to finding affordable rates.

Does Global Life reinsurance have good reviews?

You will not see many Global Life insurance reviews online, as the company is not a life insurance company. Neither can you use a Global Life insurance login to make a claim, nor can you make a Global Life insurance payment online.

You can call the Global Life reinsurance phone number if you need any assistance during the underwriting process, but once you obtain a policy with an insurance company you probably won’t need to reach out to Global Life for help or advice on your coverage.

If you are looking for a good life insurance company that will work for you and your loved ones, a reinsurance company like Global Life might be helpful. However, you can also shop around online to find companies in your area that offer whole or term life insurance policies that might work for you.

Be sure to use our free quote tool below to begin your research today and locate a life insurance company in your area that will offer you affordable coverage.


Frequently Asked Questions

What is global life insurance?

Global life insurance, also known as international life insurance or worldwide coverage, is a type of life insurance that provides coverage for policyholders across different countries or regions. It offers protection and benefits that extend beyond a single country and is suitable for individuals who have international lifestyles, travel frequently, or have financial interests in multiple countries.

What does global life insurance typically cover?

Global life insurance typically covers the insured individual’s life, providing a death benefit to the beneficiaries upon the insured’s passing. The coverage is not limited to a specific geographic location and can provide financial protection worldwide. Some policies may also offer additional benefits, such as coverage for accidental death or disability.

What are the benefits of global life insurance?

The benefits of global life insurance include:

  • Worldwide coverage: Global life insurance provides coverage regardless of where the insured person is located, offering peace of mind for those with international lifestyles or frequent travelers.
  • Flexibility: It allows policyholders to maintain consistent life insurance coverage even when moving or living in different countries.
  • Financial protection: Global life insurance ensures that beneficiaries receive a death benefit in the event of the insured person’s passing, providing financial security to loved ones.
  • Estate planning: For individuals with assets or financial interests in multiple countries, global life insurance can play a crucial role in estate planning and ensuring a smooth transfer of wealth.

How do I choose a global life insurance policy?

When choosing a global life insurance policy, consider the following factors:

  • Coverage area: Evaluate the geographic coverage provided by the policy and ensure it aligns with your international lifestyle or travel destinations.
  • Policy terms and conditions: Review the terms, conditions, and exclusions of the policy to understand the coverage limitations, premium payment requirements, and any additional features or benefits offered.
  • Financial stability of the insurer: Research the financial stability and reputation of the insurance company to ensure they can fulfill their obligations in case of a claim.
  • Premiums and affordability: Compare premium rates among different insurers and consider the affordability of the coverage in relation to your budget.

Can I add my spouse and children to a global life insurance policy?

Yes, many global life insurance policies allow you to add your spouse and children as beneficiaries or additional insured individuals. This ensures their financial protection in case of your or their unfortunate demise.

Are the premiums for global life insurance policies higher than regular life insurance?

Global life insurance premiums can vary depending on factors such as the coverage amount, the insured’s age, health, and lifestyle, and the policy terms. While premiums for global life insurance may be slightly higher due to the broader coverage, the difference may not be significant. It is advisable to obtain quotes from multiple insurers to compare costs and coverage.

Can I use global life insurance for estate planning?

Yes, global life insurance can be an essential component of estate planning for individuals with assets and beneficiaries across multiple countries. It provides a tax-efficient and reliable way to pass on wealth to loved ones, ensuring that they receive the intended financial benefits.