Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent

UPDATED: Sep 28, 2021

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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 top life insurance 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 Facts of Life

  • Expat life insurance can be as low as $9 a month
  • Life insurance companies may require you to get a medical exam
  • Permanent life insurance has more long-term options

Are you searching for life insurance companies that cover expats? Life insurance for international travelers is the same as any U.S. citizen. But international life insurance rates vary for each person.

But where can you find affordable life insurance when living abroad?

Don’t worry – we’re here to help. Our guide explains everything you need to know about the best life insurance companies for expats.

After you learn everything about the top life insurance companies that cover expats, enter your ZIP code in the free online tool above to compare multiple life insurance quotes from companies near you.

What are the best life insurance companies that cover expats?

If you’re an international traveler who needs life insurance, try shopping with the top life insurance companies. Most life insurance companies provide coverage for foreigners who have a green card or carried-approved visa.

But which life insurance providers are the best? Examine the list below to see the best life insurance companies by direct premiums and market shares:

Top 10 Life Insurance Companies By Direct Premiums Written
RanksCompaniesDirect Premiums WrittenMarket Shares
1stMetLife Inc.$103,335,05513%
2ndEquitable Holdings$62,688,6578%
3rdPrudential Financial Inc.$61,913,9768%
4thNew York Life Insurance Group$40,211,6425%
5thMassachusetts Mutual Life Insurance Co.$38,461,1975%
6thPrincipal Financial Group Inc.$26,439,6713%
7thLincoln National Corp.$25,385,4503%
8thWestern & Southern Financial Group$22,920,7173%
9thTransamerica$22,875,1093%
10thAmerican International Group (AIG)$22,620,8033%
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MetLife, Equitable Holdings, and Prudential are the top three life insurance companies in the United States.

Which life insurance companies don’t cover expats?

Whether you’re a U.S. citizen or an expat with a green card or visa, local-level life insurance companies may not insure you if you travel internationally.

Smaller life insurance companies don’t have the financial muscle that MetLife, New York Life, and John Hancock have.

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How much are life insurance rates for expats?

Expat life insurance rates vary for each person. Let’s examine the monthly term life insurance rates at the best companies:

Average Term Life Insurance Rates and A.M. Best Ratings by Company
CompanyAverage Monthly Term Life Insurance RatesA.M. Best Rating
Allstate$15A+
Banner Life$9A+
Guardian Life$10A++
Haven Life$11A++
John Hancock$11A+
MassMutual$10A++
MetLife$9A+
Mutual of Omaha$12A+
Nationwide$13A+
New York Life$11A++
Northwestern MutualN/AA++
Pacific LifeN/AA+
PrimericaN/AA+
Principal$9A+
Protective$9A+
Prudential$16A+
State Farm$15A++
USAA$12A++
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Life insurance for expats and U.S. citizens will vary. That’s because life insurance quotes for expats are determined by age, health, policy type, and company.

For instance, a 20-year term life insurance policy with $250,000 could increase your monthly rates by $12.

How does international life insurance work?

You’ll need a medical exam, especially for permanent life insurance options. Show your medical exam results to your life insurance agent, and they’ll provide you with several options.

Some of those options are life insurance types and life insurance riders.

Riders are add-ons that cover parts that standard life insurance won’t cover, such as the return of premiums and children riders.

Next, you’ll need to choose beneficiaries. Expats have the same options under international life insurance, but all life insurance companies handle policies differently.

Who needs expat life insurance?

Anyone who’s planning on living abroad should think about getting life insurance that follows them overseas.

Life insurance is a form of estate planning for your family if you’re in a fatal accident or sudden death.

Also, life insurance works while you’re alive. Expats who travel for work can accumulate cash and invest with permanent life insurance.

We recommend whole life insurance and universal life insurance for expats with bigger budgets.

For example, William Rusell’s term life insurance policies don’t have the perks of permanent life insurance. But if you buy income protection policies, you can secure a sizable investment.

Is permanent life insurance for expats more expensive?

Permanent life insurance options are more expensive than term life insurance for everyone. Various factors determine whether affordable life insurance for expats is available.

Before you buy life insurance for expats, shop around with multiple life insurance companies.

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What You Need to Know About Life Insurance Companies That Cover Expats

Expats have the same options for life insurance as U.S. citizens. Any U.S. citizen that travels abroad should buy life insurance.

If you are traveling for work or visiting another country, you should talk to your life insurance company. There may be a life insurance rider that includes traveling abroad.

Now that you know more about life insurance companies that cover expats, use our free comparison tool below to compare rates from multiple companies in your area.