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: Jun 3, 2021

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The Brief

  • Life insurance policies purchased in the U.S. do not extend their coverage when you live abroad
  • If you plan on living abroad, you need to purchase international life insurance
  • International term life insurance policies can start at $7.95 per month

Missionaries preparing to embark on their next mission must ensure they are covered with life insurance for missionaries.

Keep reading to learn more about what types of whole and term life insurance will cover you while living abroad.

Do you want to start comparing life insurance quotes for missionaries? Enter your ZIP code above, and we will help you jumpstart your search.

Do missionaries need life insurance?

If you are planning on traveling for missionary work, there are several reasons you should consider purchasing life insurance for missionaries.

The primary reason is that should the worst happen, your current life insurance policy is unlikely to pay out your death benefit should you pass away while abroad.

While there are some companies, like Prudential life insurance company, will offer an extension of coverage to certain countries. Many policies only provide coverage in the US.

International insurance for missionaries acts as a way to continue coverage when you travel and live outside the U.S. for an extended period of time.

As you know, many missions can last up to a year, and sometimes up to two years, which is a long time not to have life insurance coverage.

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What kind of life insurance for missionaries is available?

Several types of insurance are essential for missionaries, from travel insurance to health insurance. Still, when it comes to life insurance, the main option available is international life insurance.

If you already have a domestic policy and need to purchase additional life insurance while on your mission, finding affordable life insurance for missionaries is the name of the game.

To that end, your best bet is to compare multiple life insurance rates for missionaries online.

Internal life insurance is generally offered as a term policy, but there are whole life insurance options out there for those who intend to stay abroad for longer periods of time.

Term policies are the most affordable option for missionaries. For example, Expatriate Health offers term life insurance with rates starting at $7.95 per month, as shown below.

Average Monthly Life Insurance Rates for Missionaries by Coverage Level
CoverageAverage Monthly Rates for 2-Year Term
$100,000$7.95
$200,000$14.52
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While your rates will vary depending on where you are serving your mission and for how long, the rates above are a great place to start.

Where can I get missionary insurance?

If you want to buy life insurance for missionaries, there are many ways to do so. According to Ask A Missionary, many companies will provide insurance for groups of missionaries if they fund the trip.

However, if you want to purchase a more customized life insurance policy, your best bet is to contact a life insurance company for missionaries dealing specifically with international insurance.

This ensures you are getting the coverage that you want.

Are you ready to buy life insurance for missionaries? Enter your ZIP code below, and we will help you begin your search for the right company to fit your mission.