At Diversified Insurance Brokers, we help frequent travelers and foreign residents secure life insurance—even when other companies say no. With access to 100+ top-rated carriers and decades of high‑risk underwriting experience, we know which insurers are most flexible with international travel, overseas assignments, and dual residency. We’ll position your application to get the best possible offer at a fair rate.

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How Foreign Travel & Residency Affect Life Insurance

Underwriters evaluate international exposure carefully. Expect questions about:

• Destinations & Risk Level: Country list, cities/regions, State Dept./OFAC status, war/civil unrest, health risks.
• Frequency & Duration: Days abroad per year, single trips vs. recurring stays, permanent vs. temporary residency.
• Purpose of Travel: Business, mission/NGO, tourism, journalism, offshore/oil, maritime, aviation, or government work.
• Living Conditions & Medical Access: Housing, proximity to hospitals, vaccinations, and evacuation plans.
• Citizenship/Legal Status: Passport(s), visas, tax residency, and where the policy will be delivered/owned.

Who This Coverage Is Best For

• Executives, contractors, and remote professionals with routine international travel.
• U.S. citizens or green card holders living abroad full‑ or part‑time.
• Mission/aid workers, educators, and journalists posted overseas.
• Applicants previously declined due to country lists, length of stay, or occupation.

What Improves Offers

• Limiting time in Level 3/4 advisory countries or high‑risk regions.
• Documented medical care access, vaccinations, and emergency evacuation coverage.
• Employer safety protocols and itineraries for business travel.
• Clear ownership/beneficiary structure with U.S. nexus (when applicable).

Why Work With Diversified Insurance Brokers

• 100+ A‑rated carriers: We know who will consider your destinations and timelines.
• High‑risk expertise: We pre‑shop underwriter guidelines to avoid unnecessary declines.
• Efficient process: We gather the right travel/residency details once, then negotiate for you.
• Tailored design: Term or permanent coverage, policy ownership, and riders aligned to your goals.

Example Case

A 41‑year‑old consultant traveled 120+ days/year to moderate‑risk countries and was declined elsewhere. We documented employer safety policies, medical evacuation coverage, and limited stays in the highest‑risk regions. Result: $750,000 20‑year term at Standard Non‑Smoker—about $520/year less than the next best offer.

Ready to compare options? Submit our secure foreign travel/residency form and we’ll shop the market for your best fit.