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Life insurance for Australian Expatriates

Russell Cain
Russell Cain Updated: 21 June 2020

Life insurance cover for Australian Expatriates is an excellent offer, enabling Australian Expats to protect the things that really matter in their lives.  The following Q & As may assist you when considering whether or not you are eligible.Who is considered an Ex-pat?

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Who is considered an Ex-pat?

An ‘expatriate’ for insurance purposes is defined as those who maintain and continue to hold Australian Permanent Residency or Citizenship status but intend to work overseas for short periods (6 months – 3+ years) and return to live in Australia in the near future (3-5 years)

Those who maintain and continue to hold Australian Permanent Residency or Citizenship status but intend to work overseas for short periods (6 months – 3+ years) and return to live in Australia in the near future (3-5 years)

I know someone who is currently residing overseas. Can they get cover?

Yes, however generally insurers must be able to establish the following:

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Maximum CoverMaximum Entry AgeExpiry Age
Maximum Cover $1,000,000 Maximum Entry Age 64 Expiry Age No expiry age if policy remains in force Get Quotes

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Maximum Cover $1,500,000 Maximum Entry Age 64 Expiry Age No expiry age if policy remains in force Get Quotes

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Maximum Cover $1,500,000 Maximum Entry Age 69 Expiry Age 99 Get Quotes

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What type of life insurance cover can an Expat get?

The following products are available for Expats:

What level of life insurance cover can an Ex-pat get?

Generally, the following levels of cover are available to Expats:

Are there any conditions that apply for an Ex-pat?

Some of the following conditions may apply:

For income protection cover you will generally need a copy of your contract outlining length/term of your work overseas. Most providers are happy to issue policies with a 30 day waiting period, and up to age 65 benefit periods.

Case Study John is a 36-year-old engineer who lives and works in Singapore. He has never had insurance before but feels as he’ll be living overseas in a different environment that he should apply for cover.Working with his financial planner, John chooses Term life benefit with Trauma Cover.

John’s application is assessed and as John meets all the requirements for Ex-pat cover, his application is accepted at standard rates. John can now feel at ease while he’s working in another country knowing that he and his family will be looked after should anything happen to him.

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