10 Best Life Insurance Companies for Expats in 2025 (Check Out the Top Providers)
The best life insurance companies for expats are State Farm, Prudential, and Transamerica, with rates starting at just $44 per month. State Farm is the top overall pick, Prudential shines with its established network, and Transamerica offers the best low-cost options for expats globally.
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Heidi Mertlich
Licensed Life Insurance Agent
Heidi works with top-rated life insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the ...
Licensed Life Insurance Agent
UPDATED: Jan 23, 2025
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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 many different 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.
UPDATED: Jan 23, 2025
It’s all about you. We want to help you make the right coverage choices.
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 many different 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.
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0 reviewsThe best life insurance companies for expats are State Farm, Prudential, and Transamerica, with rates as low as $44 per month. Each of these providers brings unique strengths to meet the specific needs of expatriate.
Whether you prioritize cost, coverage options, or international accessibility, these three providers meet the diverse needs of expats, offering tailored solutions for every budget and situation.
Our Top 10 Picks: Best Life Insurance Companies for Expats
| Company | Rank | Bundling Discounts | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 17% | B | Local Agents | State Farm |
 | #2 | 13% | A+ | Established Network | Prudential |
 | #3 | 13% | A+ | Low Cost | Transamerica |
 | #4 | 13% | A++ | Cash Value Growth | MassMutual |
 | #5 | 10% | A | Portable Policies | Lincoln Financial |
 | #6 | 11% | A++ | High Coverage Limits | Guardian Life |
 | #7 | 7% | A+ | Affordable Term Options | Banner Life |
 | #8 | 15% | A++ | Flexible Policies | New York Life |
 | #9 | 10% | A+ | High Return Options | Pacific Life |
 | #10 | 12% | A+ | Comprehensive Coverage | Mutual of Omaha |
Choosing the right company depends on your specific needs, but any of these top picks can provide the security and peace of mind you need while living abroad. Learn where to buy life insurance as an expat.
Don’t worry – our guide explains everything you need to know about buying term life insurance for expats. Once you learn everything about the top life insurance companies that cover expats, enter your ZIP code in the free comparison tool above to compare multiple companies in your area.
- Top life insurance for expats covers international needs and family protection
- Top picks are State Farm, Prudential, and Transamerica, offering tailored coverage
- State Farm is the top choice, starting at $44/month for life insurance coverage
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#1 – State Farm: Top Overall Pick
Pros
- Plenty of Options for Expats: State Farm offers plenty of coverage options, making it a good choice for expats who need solid protection while living overseas.
- Low Monthly Rates: State Farm offers rates starting at $44 for term life coverage, making it affordable for expats. For more info, check our State Farm Life Insurance Review.
- Bundling Savings: They offer discounts for bundling life insurance with other policies, which can help expats save on overall premiums.
Cons
- Limited Multi-Policy Discount: State Farm’s multi-policy discount isn’t as big as some other companies, so expats might not save as much.
- Higher Premium Cost: While basic plans are affordable, premiums may rise for higher coverage options, affecting expat budgets.
#2 – Prudential: Best for Established Network
Pros
- Strong Network: Prudential has an extensive network offering reliable international support for expatriates. Find out more in our Prudential Life Insurance Review.
- Flexible Coverage Options: Prudential gives expats flexible life insurance plans, starting at $53 for term life coverage, so you can pick what works best for you.
- Global Presence: Prudential is a great option for expats because its insurance is valid in many countries around the world.
Cons
- Higher Premiums for Plans: While comprehensive, some of Prudential’s plans may come with higher premiums, which could concern expats on a budget.
- Limited Customization: Prudential’s plans may have fewer customization options than other providers, limiting flexibility for some expats.
#3 – Transamerica: Best for Low Cost
Pros
- Affordable Rates: Transamerica offers affordable life insurance rates for basic coverage, making it a great choice for expats looking to save.
- Simple Plans: They have easy-to-understand plans, so expats can quickly pick the right coverage. Find out more in our Transamerica Life Insurance Company Review.
- Essential Coverage: Transamerica’s basic coverage works well for expats who don’t need a lot of extra benefits.
Cons
- Fewer Extra Benefits: Transamerica’s policies don’t have many extra features or options, so expats looking for more customized coverage might need to look elsewhere.
- Limited High-Coverage Options: Transamerica doesn’t offer many high-coverage plans, so it might not be the best choice for expats who need more protection.
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#4 – MassMutual: Best for Cash Value Growth
Pros
- Builds Cash Value: MassMutual’s policies are perfect for expats who want life insurance that grows cash value over time. Check out our guide, “Term vs. Permanent Life Insurance,” for more tips.
- Flexible Plans: With rates starting at $60 per month, MassMutual lets expats adjust coverage to fit their needs.
- Trust and Stability: MassMutual is a reliable company that gives expats peace of mind about their life insurance.
Cons
- Higher Starting Costs: MassMutual’s premiums can be higher than other options, which might be tough for budget-conscious expats, especially for cash value policies.
- Complex Products: The complexity of MassMutual’s policies can make them harder for expats to fully understand, especially if they are new to life insurance.
#5 – Lincoln Financial: Best for Portable Policies
Pros
- Easy to Take Anywhere: Lincoln’s policies travel with you, making them great for expats moving between countries.
- Budget-Friendly: Plans start at just $45 per month, making them a great option for expats on a budget.
- Long-Term Security: This is perfect if you want lifelong financial peace of mind. For tips, check out our guide, Dos and Don’ts of Life Insurance.
Cons
- Limited Coverage Options: If you need more extensive protection, their plans might not have enough coverage, especially for expats.
- Fewer Extras: There aren’t as many add-ons to customize your policy for unique needs, for expats.
#6 – Guardian: Best for High Coverage Limits
Pros
- Extensive Coverage: Guardian offers high coverage limits, which is perfect if you’re an expat wanting solid protection. Find out more about the different types of life insurance.
- Flexible Plans: Starting at $55 per month, Guardian lets expatriates customize their coverage to fit their needs. Guardian provides customizable plans for expatriates.
- Trusted Name: Guardian is known for being financially strong, so expats can trust their coverage is in good hands.
Cons
- Higher Price for Expats: Guardian offers great coverage, but it can cost more if you’re after a plan with extra benefits or more comprehensive protection.
- Smaller Network: Guardian is a reliable option, but its global network is smaller compared to some other providers, which could limit your choices in certain areas.
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#7 – Banner Life: Best for Affordable Term Options
Pros
- Affordable Plans: Banner Life has some of the cheapest term life insurance, starting at just $50 per month, which is great for those on a budget. For expats, this is an affordable option to consider.
- Flexible Terms: You can pick the term length that works best for you as an expatriate. Learn more in our Banner Life Insurance Company Review.
- Easy Application: The process is simple and straightforward, so expats can get coverage quickly without any stress or confusion.
Cons
- Limited Permanent Coverage: Banner Life mostly has term life policies, so it might not be right for expats who want permanent life insurance.
- Restricted Additional Perks: Banner Life offers fewer additional benefits and riders, which may be a downside for expats with specific coverage needs.
#8 – New York Life: Great for Flexible Plans
Pros
- Flexible Plans: New York Life lets you customize your life insurance, so it’s a good pick for expats with unique needs.
- Good Coverage: Starting at $70 per month for term life insurance, expatriates have many choices for solid protection.
- Strong Financial Stability: According to the New York Life Insurance Review, New York Life is known for being financially stable, which allows expats to feel safe and secure.
Cons
- Higher Premiums: Their premiums are higher than other providers, which could challenge expatriates on a budget.
- Complex Options: Some New York Life’s plans can be tricky to understand, especially for expats new to life insurance.
#9 – Pacific Life: Best for High Return Options
Pros
- Significant Investment: Pacific Life has policies with a good return, making it an excellent option for expatriates who want to build their wealth over time.
- Wide Coverage: For just $57 per month, Pacific Life offers broad coverage that meets the needs of most expats. Discover more in our life insurance resources.
- Flexible Plans: Pacific Life lets you customize your life insurance policy to adjust it as an expat’s needs change.
Cons
- Higher Premiums for Investment: Policies with higher return potential may come with higher premiums, which could be expensive for some expats.
- Limited International Network: Pacific Life’s network may not be as extensive in certain countries, which could limit access to services for expats abroad.
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#10 – Mutual of Omaha: Best for Comprehensive Coverage
Pros
- Good Coverage: Mutual of Omaha has life insurance with solid coverage that fits a lot of different needs, giving good protection for expats living abroad.
- Affordable Rates: Starting at just $48 per month, their prices are great for expatriates looking for reliable coverage. Check our Mutual of Omaha Life Insurance Review for more information.
- Great Customer Service: Mutual of Omaha is known for excellent support, which is really important for expats living abroad.
Cons
- Limited High-Coverage Options: Mutual of Omaha has good coverage, but it might not offer as many options for expats who need extensive protection.
- Fewer International Services: Mutual of Omaha may not have as many international services available, potentially limiting its usefulness for expats living abroad.
Leading Life Insurance Providers for Expats
If you’re an international traveler who needs life insurance, try shopping with the best life insurance companies in the United States.
Expat Life Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Term Policy | Whole Policy |
|---|---|---|
| $50 | $215 |
| $55 | $220 |
| $45 | $180 |
| $60 | $240 |
| $48 | $210 |
| $70 | $250 |
| $57 | $230 |
| $53 | $218 |
| $44 | $175 |
| $58 | $235 |
MetLife, Equitable Holdings, and Prudential are the top three life insurance companies in the United States. Explore further information about term and permanent life insurance.
Life Insurance Discounts From the Top Provider for Expats
| Insurance Company | Available Discounts |
|---|---|
| Early Application, Non-Smoker, Bundling, Health & Lifestyle, Age Discount, Occupation |
| No Medical Exam, High Coverage Cost, Bundling, Healthy Lifestyle, Preferred payment, Employer-Sponsored Plans |
| Healthy Lifestyle, Bundling, Preferred Payment, No Medical Exam Policies, Non-Smoker |
| Family Coverage, Bundling, Wellness, Non-Smoker, Annual Payment, Preferred Health Rates |
| Renewal, Healthy Lifestyle, Bundling, Preferred Payments, Convertible Term Policies |
| Health-Based, Family Policies, Existing Customer, Dividend Eligibility |
| Financial Planning, Younger Age Group, Large Coverage Cost |
| New Customer, Excellent Health, Non-Smoker, Bundling |
| Bundling, Claim-Free, Multi-Line, Military, Good Health |
| Bundling, Good Health, Preferred Payment, Non-Smoker |
Most life insurance companies provide coverage for foreigners who have a green card or carried-approved visa. But how much is life insurance for foreigners? Read the following section to learn more.
Life Insurance Rates for Expats
You’ve seen the top life insurance companies in the previous section. Let’s examine the monthly rates of cheap term life insurance at the best companies:
Term Life Insurance Monthly Rates and A.M. Best Ratings by Provider
| Insurance Provider | Term Life | A.M. Best |
|---|---|---|
 | $15 | A+ |
| $9 | A+ |
| $10 | A++ |
 | $11 | A++ |
 | $11 | A+ |
| $10 | A++ |
| $12 | A+ |
 | $13 | A+ |
| $11 | A++ |
 | $30 | A++ |
| $33 | A+ |
 | $25 | A+ |
 | $9 | A+ |
 | $9 | A+ |
 | $16 | A+ |
| $15 | B |
 | $12 | A++ |
These life insurance rates reflect term life insurance policies with at least $100,000 in death benefits and a 10-year term. Expats are international travelers who are in a foreign country for work or other business-related ventures.
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.
Life Insurance Coverage Gaps for Expatriates
Smaller, local-level insurance companies don’t have the financials that MetLife, MassMutual, or Mutual of Omaha does. Therefore, smaller life insurance companies may have a hard time insuring.
Working with a knowledgeable agent can help expats find the best life insurance options, tailored to their unique needs and situation abroadKristen Gryglik Licensed Insurance Agent
Before you buy life insurance for expats, shop around with various life insurance companies and ask if your expat status would affect your chances of purchasing a policy.
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Understanding How International Life Insurance Works
International life insurance works the same as any other insurance policy. You’ll likely need a medical exam, especially for permanent life insurance options.
Once you have a medical exam, show your results to the life insurance company. They’ll provide you with several options, such as life insurance policy types and life insurance riders. Riders are add-ons that cover parts that standard life insurance won’t cover, such as accidental death and dismemberment.
Finally, you’ll need to choose a beneficiary. Check with your life insurance company to see if there’s a limit on beneficiaries. Expats have the same options under international life insurance. However, all life insurance companies have a specific signature on how they provide policies.
The Importance of Expatriate Life Insurance
Getting life insurance ensures that you protect your estate if a life-altering event occurs. Fatal accidents happen more often than we’d like them to, so expats should be prepared. Curious? Check our guide, “How does life insurance work?”
Life insurance can also work even while you’re alive. Permanent life insurance policies, such as whole life insurance and universal life insurance, give you investment and accumulated cash account opportunities.
We all need a rock to depend on, no matter what. Because when you find it, you’ll be unstoppable. That’s why millions of people rely on Prudential for financial planning and investing. Learn more at https://t.co/FpDZ53HHd5 #WhosYourRock pic.twitter.com/YBMJudei0x
— Prudential (@Prudential) July 23, 2021
For example, William Rusell’s term life insurance program doesn’t have the same perks as other income protection policies. However, permanent life insurance options are more expensive than term life insurance. Keep in mind that several factors determine whether affordable life insurance for expats is available.
What You Need to Know About Life Insurance Companies That Cover Expats
An “expat” is short for “expatriate,” referring to someone who lives outside their home country. Expats often move abroad for work, retirement, or lifestyle reasons. They typically maintain ties to their home country while adapting to life in a foreign nation.
Expats have the same opportunities for life insurance as U.S. citizens. Also, any U.S. citizens who travel outside of the country can buy life insurance. Discover more details in our guide, “Life Insurance Coverage Question.”
If you are traveling for work or visiting another country, you should talk to your life insurance company about it. Explore your options. If you’re looking at life insurance companies that don’t cover expats, there may be a rider that includes traveling abroad.
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Case Studies: Finding the Right Life Insurance for Expats
Finding life insurance as an expat can feel tricky, but these stories show how different companies can meet your needs. Whether you’re looking for peace of mind, travel protection, or long-term planning, there’s a policy that’s right for you.
Case Study #1: Securing Financial Protection Abroad
David, an expat, wanted life insurance to make sure his family was covered while he was living abroad. After looking at his options, he went with State Farm because it offered good coverage at a great price. With State Farm, David got a policy that gave his family peace of mind.
Case Study #2: A Customized Solution for International Travelers
Maria needed life insurance that would cover her while traveling. She chose Prudential because it had flexible options that worked for her. Maria made sure her policy with Prudential gave her full protection during her trips. Uncover more in our guide, “Life Insurance Coverage Question. ”
Case Study #3: Long-Term Financial Planning for Expats
Daniel and Emily, a couple living abroad, needed life insurance to help plan for their future. After looking into Transamerica, they went with it because of its long-term options. With Transamerica, they got the coverage they needed and a way to save for the future while living overseas.
These case studies show how expats find life insurance that fits their needs. David chose Banner Life for excellent coverage, Maria picked Guardian for travel protection, and Daniel and Emily went with Lincoln for long-term planning. Each company, among the best life insurance companies for expats, offers solutions to help expats stay secure abroad.
Choosing the Right Life Insurance as an Expat
Finding the right life insurance as an expat really comes down to what you need most. Whether it’s making sure your family is protected, staying covered while you travel, or planning for your future, the best life insurance companies for expats offer policies that fit your life. David, Maria, Daniel, and Emily each found policies that worked for their situations, showing how important it is to explore options and choose coverage that fits your life.
When picking a life insurance plan, think about what you really need. Do you want something cheap, coverage for travel, or a plan that helps you save for the future? Take some time to look at your options, read reviews, and ask questions. Choosing the right plan will keep your future safe and give you and your family peace of mind.
Finding the right policy can give you peace of mind and make sure you’re covered, no matter where life takes you. Learn all about it in our guide, “Life Insurance: Most Frequently Asked Questions.”
Now that you know more about life insurance companies that cover expats, use our free online quote tool below to compare life insurance quotes from multiple companies near you.
Frequently Asked Questions
What is the best life insurance for expats?
The best life insurance for expats varies based on your needs, such as coverage and budget. Providers like MetLife, USAA, and Mutual of Omaha offer some of the best expat life insurance options with international coverage.
What are the best expat insurance plans?
The best expat insurance plans come from good life insurance companies like Mutual of Omaha, which offers international life insurance policies tailored for expatriates living abroad. Then, enter your ZIP code into our free comparison tool to see which companies have the cheapest rates in your area.
Can I get life insurance while living abroad?
Yes, you can get life insurance while living abroad. Many providers offer global life insurance designed for expats, including life insurance international coverage that adapts to your location. Want the details? See our guide, “10 Best Life Insurance Companies.”
Who are the best international life insurance companies?
Some of the best international life insurance companies are MetLife, USAA, and Mutual of Omaha. These companies are trusted for their global reach and flexible expat life insurance options.
Is there life insurance for US citizens living abroad?
Yes, life insurance for US citizens living abroad is available. Global providers offer life insurance for US expats, ensuring uninterrupted coverage while living overseas.
Can non-residents purchase life insurance?
Yes, non-residents can purchase life insurance. The best life insurance for non-residents includes flexible international coverage, ideal for those moving or traveling frequently.
Read more: Best Life Insurance Companies That Won’t Increase Rates
Are there policies for expats over 50?
Yes, there are life insurance policies designed for expats over 50. These plans provide comprehensive coverage options for older expatriates who need tailored protection.
How does international life insurance coverage work?
Life insurance international coverage ensures you are protected globally. Good life insurance companies offer policies with worldwide coverage, perfect for expats and frequent travelers. See which companies have the cheapest rates for you by entering your ZIP code in our free comparison tool.
How do I choose between MetLife vs. USAA for expat life insurance?
When choosing between MetLife vs. USAA, consider factors like premium costs, international life insurance policies, and customer service. Both are trusted international life insurance companies. Discover more about life insurance recommendations by demographic.
Are there affordable life insurance options for expats?
Yes, affordable options exist. Mutual of Omaha and other global life insurance providers offer competitive rates, making it easier for expats to get the coverage they need while living abroad.
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Heidi Mertlich
Licensed Life Insurance Agent
Heidi works with top-rated life insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the ...
Licensed Life Insurance Agent
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.