Life Insurance for Foreign Travel and Residency
Over 100 Carriers to Quote From. Here are a few of them!
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.
Life Insurance with Foreign Travel & Residency Considerations
If you travel frequently or reside abroad, it doesn’t mean you’re uninsurable. At Diversified Insurance Brokers, we specialize in helping clients with international lifestyles find affordable coverage that fits their unique circumstances.
Speak with an expert who understands life insurance for international travelers and expatriates.
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.
FAQs: Life Insurance for Foreign Travel & Residency
Can I get life insurance if I travel often or live outside the U.S.?
Yes—you can often secure life insurance even with frequent foreign travel or overseas residence. The key is to clearly document your travel or residency, legal status, and health access abroad.
What travel or residency details do insurers care about?
Insurers look at the countries you visit, how risky those places are (health risks, travel warnings, etc.), how long you stay, whether you’re traveling repeatedly or permanently abroad, and whether you have good medical access in those locations.
How do citizenship, visas, or legal status affect underwriting?
Your passport, visa type, tax residency, dual-residency or legal status abroad make a difference. Insurers want clarity on where you’re a resident, where your policy paperwork is delivered, how premiums are paid, and whether you have U.S. or foreign legal ties.
What improves my offer or helps avoid declines?
Documented safety or evacuation plans, medical access in the countries you spend time in, limiting stays in high-risk locations, showing consistency in travel schedules, having employer or organizational support, and using carriers known to accept global lifestyles all help.
What kinds of travel- or residency-based pricing outcomes are common?
If travel or residency is limited and in lower-risk countries with good infrastructure, you may get near-standard or standard rates. More risk (long stays in higher-risk areas, frequent travel, unresolved legal or residency ambiguity) may lead to higher ratings or restrictions.
Who is this best suited for?
This is a good path for remote professionals, consultants, contractors abroad, expatriates, mission or aid workers, or anyone with dual residency or frequent cross-border travel who wants protection without losing eligibility due to their international lifestyle.
Diversified Insurance Brokers specializes in helping high-risk applicants secure coverage, even after serious health conditions.
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Licensed in all 50 states • Fiduciary, family-owned since 1980
About the Author:
Jason Stolz, CLTC, CRPC, is a senior insurance and retirement professional with more than two decades of real-world experience helping individuals, families, and business owners protect their income, assets, and long-term financial stability. As a long-time partner of the nationally licensed independent agency Diversified Insurance Brokers, Jason provides trusted guidance across multiple specialties—including fixed and indexed annuities, long-term care planning, personal and business disability insurance, life insurance solutions, and short-term health coverage. Diversified Insurance Brokers maintains active contracts with over 100 highly rated insurance carriers, ensuring clients have access to a broad and competitive marketplace.
His practical, education-first approach has earned recognition in publications such as VoyageATL, highlighting his commitment to financial clarity and client-focused planning. Drawing on deep product knowledge and years of hands-on field experience, Jason helps clients evaluate carriers, compare strategies, and build retirement and protection plans that are both secure and cost-efficient.
