| International Life Insurance Benefits
Customize your expat term life insurance policy and receive the following benefits:
- Your choice of currency: USD, Euros, or GBP
- Global coverage ranging from $50,000 to $6,500,000 or currency equivalent
- If you become unable to work for six months or more, your premiums are waived
- Beneficiaries can receive an additional lump sum with an add-on Accidental Death benefit
- Flexible payment options including annual, semi-annual, quarterly, and monthly
| Flexible Policy Options
Term life is life insurance coverage for an agreed-upon amount of time. Coverage starts from a 5-year term and goes all the way to a 30-year term. Other models include trusts, whole life, decreasing term, and short-term life insurance—which may only apply over a period of one year. Typically, term life is the most appropriate type of coverage and is the most affordable life insurance option for expats.
Regardless of the length of your policy, you can be sure that it’s secure and ready to deliver if required. Guardrisk Life International Limited issues all Unilife policies. Guardrisk is a wholly owned subsidiary of MMI Holdings, who is listed on the Johannesburg Stock Exchange. It operates in 18 countries, including South Africa, the United Kingdom, Hong Kong, and Singapore, and employs over 17,500 staff worldwide. Both Guardrisk and MMI are rated “Aaa” by Moody’s.
| Protect Your Family
Get an International Life Insurance Policy
| Global Term Life Policy Coverage
Our extensive international life insurance for expats provides the flexibility they need.
- Minimum and Maximum Coverage: Minimum Sum Insured US $50,000.00 or currency equivalent. Maximum Sum Insured US $6,500,000.00 or currency equivalent
Higher sums insured can be considered. Please call us. - Waiver of Premium: Benefit waives regular premiums where the life insured is disabled and unable to work for a continuous period of at least six months. Policy premiums are waived until a return to work or until the policy anniversary preceding 60th Birthday of the life insured, whichever happens first.
- Accidental Death: This Benefit provides an additional lump sum in the event of accidental death. Benefit ceases at age 70.
- Premium Options & Frequency: Annual, Semi-annual, Quarterly, and Monthly. Frequency premium loads: Monthly – up to 5%. Please note Premium frequency can only be changed at each policy anniversary. Payment Term Premiums are paid for the full term of the policy. Non-payments may result in the cancellation of the policy.
- Policy Currency: US Dollars, British Pounds Sterling and Euros. The choice of policy currency automatically determines the currency in which the benefits will be stated and paid. Premiums must be paid in policy currency.
- Minimum Premium Payment: US $50 or the equivalent in Pounds Sterling or Euros. (Applies to Annual & Monthly premiums)
| Why Choose Clements?
Our expertise is international coverage. We have been providing insurance to expats since 1947. Our specialists will ensure you are adequately covered while driving abroad.
Other key benefits include:
- Coverage in 170+ countries
- Affordability—coverage that fits your budget
- Global/borderless coverage—your policy automatically adjusts to meet the local insurance requirements in whichever country you are driving
- Policy documents in English
- Claims handled in-house, making the process quick and efficient
- Can include both Physical Damage and Excess Liability coverage
| Contact Us
Still have questions? Fill out the form below and we’ll be happy to answer them.
