Resources
Simple guides for expat life insurance.
Everything you need to understand expat life insurance, explained simply.
Sharing with you 12 years of experience in consulting expats, across 21 articles.
-
Expat Life
Yes, Your Family Back Home Can Still Get the Money
If you're an expat in the US, your life insurance beneficiaries don't have to be. Here's how multi-currency, international policies pay out anywhere in the world.
Quinn Miller ·
-
Company
Is EZPZ Legit? How We Work and Who's Behind Your Policy
Is EZPZ legit? We're a broker, not the insurer. Here's who actually issues, administers and reinsures your policy, how we get paid, and what real customers say.
Quinn Miller ·
-
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.
Quinn Miller ·
-
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.
EZPZ Team ·
-
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.
Quinn Miller ·
-
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.
Quinn Miller ·
-
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.
Quinn Miller ·
-
Products
Decreasing Term Life Insurance, Explained
Decreasing term life insurance shrinks its payout in step with your mortgage and costs less for it. How it works, when level term is better, and what expats with cross-border mortgages should check.
Quinn Miller ·
-
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.
Quinn Miller ·
-
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.
Quinn Miller ·
-
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.
Quinn Miller ·
-
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.
Quinn Miller ·
-
FAQs
Frequently Asked Questions
Common questions about EZPZ expat life insurance: coverage limits, term lengths, the no-exam Face-iT application, pricing, claims, and beneficiaries.
Quinn Miller ·
-
Financial
Choosing the Right Currency
USD, GBP, or EUR? How to choose the best currency for your life insurance policy based on your situation.
Quinn Miller ·
-
Legal
Estate Planning for Expats
Navigate the complexities of cross-border estate planning and ensure your assets reach your beneficiaries smoothly.
Quinn Miller ·
-
Business
Life Insurance for Business Owners
Explore how key person insurance and buy-sell agreements can protect your business and partners abroad.
Quinn Miller ·
-
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.
Quinn Miller ·
-
Technology
Face-iT Scan: The Future of Underwriting
How biometric technology is revolutionizing life insurance applications - no more doctors, needles, or waiting rooms.
Quinn Miller ·
-
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.
Quinn Miller ·
-
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.
Quinn Miller ·
-
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.
Quinn Miller ·
Frequently asked questions
Clear 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.
The person you'll talk to
Quinn Miller.
Father
, expat, your broker.
Quinn has been Managing Partner at Tenzing Pacific since 2014, and has put more than 25,000 hours into insurance for people living abroad: employee benefits, family health cover, C-level executives and life insurance.
He has been an expat himself for over thirteen years. He lives abroad with his wife, their two kids and the dog, and spends what time is left outdoors.
Quinn created EZPZ to take the stress out of international life insurance — and when you book a call, you talk directly to Quinn.
Since 2014
Managing Partner, Tenzing Pacific
25,000+
hours in expat insurance