International Life Insurance for Expatriates

With 68 years of firsthand experience insuring individuals working or living outside of their home country, Clements Worldwide understands that your family’s financial protection is your top priority, especially should an untimely loss occur. For this reason, Clements offers international term life insurance, an essential coverage that protects your loved ones against future financial burdens.

International Life Insurance for Expatriates

With term options ranging from one to ten years, Clements’ portable term life insurance is suitable for all expatriates, especially for those with outstanding financial obligations, such as a mortgage, or dependents, such as children or a spouse.

Enrollment in Clements’ term life insurance program ensures that the future financial needs of your family and loved ones are provided for should the unthinkable occur. Term life insurance benefits and features include:

  • No medical underwriting for policies up to USD 500,000
  • Portable primary or supplemental policy that you can take with you whether you change jobs, retire, or move anywhere in the world. The policy even applies if you return to your home country
  • Benefits as high as 10 times annual salary, up to USD 4 million
  • Low fixed premiums throughout the term of the policy
  • Coverage against death as a result of illness, accidents, and acts of war and terrorism
  • Underwritten by certain underwriters at Lloyd's of London


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