Resources
Simple guides for expat life insurance.
Everything you need to understand expat life insurance, explained simply.
Expat Life
Contingent Beneficiaries: What Happens If Both Parents Die?
A contingent beneficiary is who gets paid if your primary beneficiary doesn't survive you. How simultaneous-death rules work, and why naming a minor child directly rarely does what parents expect.
Insurance Guides
Term Life + Investing Beats Whole Life Insurance for Expats (Here's the Math)
Why expats are better off buying affordable term life insurance and investing the difference themselves, instead of a locally admitted whole life policy.
Products
Joint vs Single Life Insurance: Which for Couples?
Joint term life insurance pays out once, on the first death. Two single policies pay twice. How couples abroad should choose — and what each really costs.
Underwriting
What Are Risky Occupations? How They Affect Your Life Insurance
Some jobs cost more to insure than others. What counts as a risky occupation, how underwriters rate them, and what it actually does to your life insurance premium.
Underwriting
Life Insurance for Smokers: Costs and How to Keep It Down
Smokers pay roughly double for life insurance — but cover is absolutely available, with no medical exam for most. What counts as smoking, what it costs, and how to earn non-smoker rates back.
Products
Decreasing Term Life Insurance, Explained
Decreasing term life insurance shrinks its payout in step with your mortgage or loan — and costs less for it. How it works, who it suits, and when level term is better.
Expat Life
International Life Insurance: How It Works & Who Needs It
International life insurance covers you across borders under one policy. How it works, who it's for, what it costs, and how it differs from domestic cover.
Expat Life
Expat Life Insurance: The Complete Guide
Everything expats need to know about life insurance: why local policies fail abroad, what portable international cover looks like, costs, underwriting and how to apply from anywhere.
Tax
Is Life Insurance Taxable? What Expats Need to Know
Life insurance payouts are usually free of income tax — but estate and inheritance tax can still bite, especially across borders. Here's how it works for expats.
Planning
How Long Should Your Term Be?
Match your term length to retirement, your children's independence, or your main loan — and understand what happens when the term ends.
FAQs
Frequently Asked Questions
Find answers to the most common questions about expat life insurance, coverage, applications, and more.
Financial
Choosing the Right Currency
USD, GBP, or EUR? How to choose the best currency for your life insurance policy based on your situation.
Legal
Estate Planning for Expats
Navigate the complexities of cross-border estate planning and ensure your assets reach your beneficiaries smoothly.
Business
Life Insurance for Business Owners
Explore how key person insurance and buy-sell agreements can protect your business and partners abroad.
Cost
Fixed vs. Increasing Premiums
Understand the difference between fixed and age-related premiums, and why locking in your rate at entry can save you thousands.
Technology
Face-iT Scan: The Future of Underwriting
How biometric technology is revolutionizing life insurance applications - no more doctors, needles, or waiting rooms.
Planning
How Much Coverage Do You Need?
Learn how to calculate the right amount of life insurance coverage based on your income, debts, and family's future needs.
Expat Life
Why Expats Need Specialized Coverage
Discover why traditional life insurance falls short for globally mobile citizens and what to look for in an expat-friendly policy.
Basics
Understanding Term Life Insurance
A comprehensive guide to term life insurance: what it is, how it works, and why it might be the right choice for protecting your family.
Quick answers
Quick answers .
Common questions about expat life insurance, coverage, and getting started with EZPZ.
What is the difference between term and whole life insurance?
Term life insurance provides coverage for a specific period (1–30 years) and pays out only if you pass away during that term. Whole life insurance covers you for your entire life and includes a savings component. Term life is typically more affordable and straightforward, making it ideal for most expats who want to protect their families during their working years.
Can I get life insurance if I have pre-existing conditions?
Yes, many people with pre-existing conditions can still qualify for life insurance. The terms and premiums may vary depending on the condition. Our team can help you understand your options and guide you through the application process.
What happens if I move to a different country?
With EZPZ, your coverage stays with you. Our policies are designed for globally mobile citizens and cover you in 180+ countries worldwide. You don't need to notify us when you travel or relocate — your coverage remains active and unchanged.
How quickly can I get covered?
The entire process typically takes just 15–30 minutes. You'll provide your details, complete the Face-iT biometric scan (for coverage up to $750,000), and receive your policy documents via email. For higher coverage amounts, additional underwriting may extend the timeline.
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