- Life insurance · Expats with dependants
Protect the people
who count on you.
If something happened to you abroad, your family would face it far from home. International life cover pays a lump sum to your loved ones, wherever you live.
- Cover up to US$350,000
- Valid worldwide
- Your quote by e-mail
We compare the best life
insurance plans for expats.
BPA compares 20+ leading international insurers and helps you choose suitable options for your needs.
Living abroad changes
what is at stake.
When others depend on your income, a life insurance policy is the simplest way to make sure they can carry on, wherever they are. See also: International Labour Organization, social protection.
Your income supports others
A partner, children or parents who rely on what you earn every month.
Far from your support network
Family abroad may need flights, visas and legal help at the worst moment.
Costs do not stop
Rent or mortgage, school fees and loans still need to be paid.
Cover that moves with you
A local policy may end when you leave the country. This one follows you.
International life insurance
Get your life insurance quote
A few questions about you. Your personalised quote is sent to you by e-mail.
How we use your information: Privacy Policy
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Your cover
How much cover would you like?
Not sure? Choose the closest amount. Your advisor will help you adjust it.
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Almost there
Where should we send your quote?
Your advisor prepares your personalised quote and sends it to you by e-mail.
Your personal information will be processed by Be Protected Abroad, operated by Be Protected Global Pte. Ltd., to prepare your insurance quotation, contact you about your request and, where necessary, share relevant details with insurance partners. Learn more in our Privacy Policy.
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Thank you, your quote is on its way
A BPA advisor is preparing your personalised life insurance quote. You will receive it by e-mail shortly.
Also compare health insuranceIncluded in your cover
Every plan includes the same essential benefits.
- Lump sum for your loved onesUp to US$350,000, paid to your beneficiaries.
- Fast first payment10% of the sum paid within 24 to 48 hours of official confirmation.
- Support for your childrenTravel costs for a relative to collect and care for them.
- Valid anywhere in the worldYour cover follows you if you move country.
Your quote by e-mail. Then a BPA advisor helps you complete your application, free of charge.
More than a lump sum.
Beyond the payment to your beneficiaries, the policy brings practical help to your family when they need it most.
Lump sum for your beneficiaries
The amount you choose, up to US$350,000, paid to the people you name.
Fast first payment
10% of the sum paid within 24 to 48 hours of official confirmation, for urgent costs.
Support for your children
Travel costs for a relative to collect and care for children left without a parent.
Bereavement counselling
24-hour helpline and counselling by telephone for the people you leave behind.
Repatriation
Repatriation of the insured person’s remains to the chosen country, with help on formalities.
24-hour international assistance
A multilingual team that coordinates paperwork, logistics and the claim for your family.
Benefits are subject to the policy terms, conditions and exclusions. Your advisor gives you the full policy wording before you apply.
Think about the years
your family would need.
There is no single right amount. A simple way to start is to add up what your family would need to keep their life on track, then choose the level of cover closest to it.
- Day-to-day living costs for several years
- Rent or mortgage, loans and other debts
- Your children's education
What shapes the price
of your cover.
Your premium is set when you apply, based on a few simple elements.
Your age
The younger you are when you apply, the lower the premium.
Smoking
Non-smokers benefit from lower premiums than smokers.
Amount of cover
From US$50,000 to US$350,000, the price follows the amount you choose.
Your health
The insurer reviews your health declaration and may adjust the terms.
Good to know: the premium is paid once a year, and your cover stays valid if you move to another country.
From your request
to your cover.
Simple steps, with a BPA advisor to help you at each stage.
Request your quote
Answer a few questions. Your personalised quote arrives by e-mail.
Choose your cover
Pick the amount that fits your family. Your advisor answers your questions.
Complete your application
A short application with a health declaration. The insurer confirms the final terms.
You are covered
Your cover applies worldwide. Renew each year, with your advisor by your side.
Your questions,
answered.
The essentials about international life insurance. More answers in our full FAQ, or ask an advisor directly.
Who can apply?
New applicants can join from age 18 up to 65. You will be asked to complete a health declaration with your application.
How much cover can I choose?
You choose the amount paid to your beneficiaries, up to US$350,000. Your advisor can help you find the right level for your family.
Am I covered if I move to another country?
Yes. The policy is valid anywhere in the world and follows you if you relocate.
How quickly is the money paid?
10% of the sum insured is paid within 24 to 48 hours of official confirmation of death. Most claims are settled in full within 90 days, unless further information is needed.
Are there exclusions?
Yes, as with any life policy. They include, for example, suicide or self-inflicted injury, alcohol or drug abuse, and facts not declared in the application. Your advisor shares the full policy wording before you apply.
How do I pay?
The premium is paid once a year. Your cover continues as long as the premium is paid on time.
Can I change my mind?
Yes. You can cancel within 14 days of purchase and receive a refund of premiums paid, less any administration charge, as long as no claim has been made.
