Life Insurance for Expats (Discounts & Rates)

Life insurance for expats can be as low as $8/mo, but rates are determined by age, coverage limit, and company. Companies like William Russel Europe SRL provide term life policies up to 30 years. The longer your term, the more you'll pay for international life insurance rates. It's important to shop around for affordable life insurance for expats to get the best policy type.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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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 insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Apr 12, 2021

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The Highlights

  • Life insurance for expats works the same as standard life insurance
  • You can add an accidental death benefit to most policies
  • Expats can’t get life insurance without some connection to the United States

If you want affordable life insurance for expats, you may have to shop with a life insurance company with an international reach. Expats who have U.S. citizenship have more opportunities to buy life insurance for expats from the voluntary market.

But what if you have a visa? Read through this guide to learn how to get life insurance quotes for expats, how much life insurance costs, and what type of policy expats should consider.

Life insurance for expats with U.S. citizenship and residency has an extensive shopping capability. Enter your ZIP code to compare multiple companies near you and get free life insurance quotes today.

How much are life insurance rates for expats?

Expat life insurance is international life insurance for people who work and live outside their native country.

Any expat with U.S. citizenship has an option to buy from the voluntary market, but international life insurance companies may be better if they travel frequently.

William Russell is one of those global life insurance companies that provide international term life insurance for up to 30 years. Let’s look at the average monthly rates by age:

Average Monthly Life Insurance Rates for Expats ($100K Death Benefit)
AgeAverage Monthly Life Insurance Rate
25$8
35$11
45$27
55$97
65$295
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Younger policyholders pay much less than senior policyholders. However, a young person that smokes will receive more expensive rates.

You’ll also notice how life insurance increases every ten years. This is standard for life insurance companies, international and national, to drive up premiums as you age.

What is an expat?

Expat is short for expatriates. Expatriates are people who live and travel across the world, typically for work-related purposes. Some expatriates are in the United States with a visa, while others have citizenship and residency.

Some expats choose to pay a bit more for international life insurance coverage. International life insurance provides worldwide coverage, so you’ll have coverage no matter where you are in the world.

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Can I add a rider to an international life insurance policy?

The short answer is yes, but it depends on the company. Most international life insurance companies have flexible policy options, such as accidental death benefit riders.

Riders may add more to your monthly rate. Shop around for a company with transparent and straightforward pricing.

Life Insurance for Expats: What’s the bottom line?

If you’re a United States expat, you’ll have to shop for an international life insurance company outside of the United States.

International life insurance companies are quite different from the United States life insurance companies, but rates and policy types are similar.

Most of all, you want to weigh your options. Shop around for life insurance for expats using our free comparison tool below to locate your area’s best companies.

Are you looking for free insurance quotes?

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