International Life Insurance

If you have anyone that relies on your income for their well being, then you may want to consider international life insurance. 

No matter if you’re an expat, local citizen or a business, you can take international life insurance for yourself, family members or employees.   

Additionally, if you’re a business you can arrange a keyperson policy, where the benefit is paid to your company, rather than to a nominated beneficiary.

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Straightforward term life insurance is where a specific term is selected & the benefit is payable upon death in that term.  Terms are usually in 5-year increments between 5-35 years. An annual payment is made every year. If you stop paying the premiums, the policy will void with no refund.  Premiums are fixed for the duration of the term, based on your age at entry. 

Rather than selecting a specific term, with whole life insurance the policyholder is covered for their..... whole life.  This will guarantee to pay the benefit out so long as premiums are paid & the claim is valid. Payments are still made every year, or can be condensed into a 10-year period. There is no cash back/refund element.  Premiums are fixed for the duration of the term, based on your age at entry. 

Universal Life Insurance is usually used to generate wealth. With Universal Life Insurance, you put in a lump sum premium upfront. You're covered for 3x your lump sum.  The minimum initial input is $50,000 usd. 

This is a term life policy, but there is no set term. You just pay the renewal premium every year.  Premiums annually will increase with age & inflation. 

Key Features

 

International Partners & Providers

Underwritten by major international life insurers.  Guaranteed & regulated policies. 

Portability

International Life Insurance wherever life takes you, not just for where you currently reside. 

Sum Insured

Can insure between 3x-20x annual income, up to $20M USD.

 

 

Currency Options

Policies values, premiums & payouts can be in 

Beneficiaries

Nominate beneficiaries as you see fit, including percentages, secondary & tertiary nominations. 

Add-Ons

Critical Illness, Disability, Income Protection & Additional Accident Cover.

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 Personal
(individual or couple)
 Group Life
 Keyperson