International life insurance, offering financial security and peace of mind no matter where you are in the world, is essential for expatriates living in the UAE.
As many expats maintain connections across different countries, having a policy that covers you internationally ensures that your beneficiaries receive the death benefit, regardless of where you pass away. Unlike standard life policies, international life insurance provides coverage while you live abroad. This offers flexibility and portability if you move between countries or regions.
This type of insurance caters specifically to expats, ensuring that their unique needs are met — whether it's coverage for a short-term stay or for long-term relocation. For expats in the UAE, international life plans guarantee protection against life’s uncertainties and ensure financial stability for your loved ones, no matter where they are located.
What is International Life Insurance?
International life insurance is designed for people who live, work, or travel across multiple countries. These plans cater to expatriates, frequent travellers, and those with global lifestyles. Just like a standard life policy, you pay regular premiums — the insurer promises to pay a lump sum to your beneficiary when you pass away.
The key benefit of this insurance type is worldwide coverage. No matter where you are, your policy remains valid. If you pass away while overseas, your beneficiaries will still receive the payout. This ensures peace of mind, knowing that your loved ones are protected, regardless of your location. All in all, an international life plan presents an important step in securing your family's future in today’s globalised world.
What are the Key Benefits of International Life Insurance for Expats?
Find out the key benefits of international life plans for expatriates below —
Global Coverage - International life policies provide worldwide protection, ensuring your beneficiaries receive the payout even if you pass away while abroad
Coverage Options - Expatriates can choose from different plans, such as term life, whole life, or annual renewable policies
Flexibility - You can pay premiums in different currencies and adjust your coverage level as needed
Portability - These policies are portable — you can keep your coverage even if you move to another country
What are the Different Types of International Life Insurance?
As an expat, you have two main options for international life coverage —
Term Life
Whole Life
Term life insurance offers simple coverage with fixed premiums and a guaranteed death benefit. Policies typically last between 5 to 30 years and expire at the end of the term.
Whole life insurance provides lifelong coverage. As long as you pay the premiums, the policy remains active until your death, ensuring long-term financial protection.
Term Life Insurance Calculator
Which Factors Affect the Premium of International Life Insurance for Expatriates?
Here are some of the factors that influence international life insurance premiums —
Age - The older you are, the higher the premium due to increased health risks
Lifestyle - Unhealthy habits like excessive drinking or being overweight can raise premiums
Health - Pre-existing medical conditions often lead to higher premiums, especially for chronic illnesses
Family Medical History - A family history of serious health issues may increase your premium
Occupation - Risky jobs, such as construction work, may result in higher premiums compared to safer jobs like office work
Smoker Status - Smokers pay more due to the health risks associated with smoking and vaping
Length of Cover - Longer policy terms generally cost more than shorter ones
Amount of Cover - Higher coverage amounts mean higher premiums
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