LIFE INSURANCE

from $10

It’s never a good idea to try to delay the inevitable. Safeguard your family’s financial future now with an affordable life insurance plan and expert advice from Expat Insurance Asia.

lifeinsurance

Need health cover too? Ask about our family plans!

Nothing is more important than making sure your loved ones are safe and protected. Call us now at (+86) 021 5117 5153 to keep your family’s health and future secure with a cost-effective insurance solution.

If you already have your family’s health covered with Expat Insurance Asia and one of our trusted health insurance partners, then the next step is to consider an affordable life insurance plan to safeguard your family’s financial future. While it’s never a pleasant subject to think about, in the event of your death your family or business could become financially vulnerable. Nothing can replace you, but money provided at the right time will ensure that your family will be financially secure without you.

Our expert advisors are honored to be able to bring you peace of mind during the times when your family needs it most. Expat Insurance Asia has helped thousands of families across Asia with their life protection and other financial needs, so get started by reviewing the details on our available life insurance products and requesting a free, no-obligation and impartial quote below.

Safeguard Your Family’s Future

Universal Life


Guaranteed universal life (GUL) insurance policies provide a death benefit as well as the opportunity to build policy cash value. This coverage is different from term and whole life insurance because, within policy limits, you can vary the amount and timing of your premiums. Typically, you can also increase or decrease your death benefit (based on your insurability). As long as you maintain sufficient policy value to keep your policy in-force, your policy’s flexibility enables you to pay premiums as your circumstances allow.

Your cash value in a GUL policy is determined by the amount of premiums you pay, the declared interest crediting set by the insurance company, and policy charges.

As a policyholder, you have more flexibility with GUL than with whole life, but you assume additional risk. GUL policies usually have fewer guarantees than whole life coverage, so you must carefully manage premium payments and any distributions taken to help ensure your policy will stay in-force. This type of life insurance policy usually offers a built-in no lapse guarantee that can last for the lifetime of the insured life or for a shorter period selected by the policyholder.

Whole Life

Whole life protection

Whole life protection and savings products offer a conservative savings option to help your family grow your financial protection over time. A portion of your annual premium payments participate in funds which accumulate interest as a cash value in your account. With the option to withdraw a high percentage of the savings, such plans offer flexibility should you want to use the funds for alternative financial commitments. Limits and coverage of whole life plans also grow with you, allowing you to increase your sum assured upon marriage or additions to the family.

Our expert advisors are here to help you find the right plan for your family’s needs:

  • Lifetime Financial Protection
  • Accumulated Cash Value
  • Option to Withdraw Savings
  • Guaranteed Payout for Death
  • Guaranteed Payout for Permanent Disability
  • Optional Guaranteed Payout for Critical Illness

Term Life

Family life insurance

Term life insurance plans offer financial security for your family in the short-term or throughout your life, should the unforeseen happen. Limits and coverage can be tailored to meet your needs at different phases in your life, wherever you may be in the world. Life policies require payment of a regular premium and offer coverage in the instance of death, permanent disability or critical illness. Basic life insurance products do not accumulate a cash value, and provide lump sum payments to a named beneficiary.

Let us help you understand your options and make sure you get the cover you need:

  • Financial Protection for Life or a Term Guaranteed Payout for Death
  • Guaranteed Payout for Permanent Disability
  • Optional Guaranteed Payout for Critical Illness

Our Trusted Life Insurance Partner

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INDIVIDUAL

from $20
Moving to a new country? In between jobs with no benefits? Get expert advice and the affordable coverage you need most for wherever life takes you.

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FAMILY

from $50
Nothing is more important in life than making sure your loved ones are safe and protected. Let us help keep your family’s health and future secure with a cost-effective insurance solution.

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MATERNITY

from $200
Very few other times in life are as stressful as starting a family. Our expert advisors and insurance partners can help you every step of the way until your new born arrives safe and sound.

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CORPORATE EMPLOYEE

from 40% off individual rates
Retaining key talent is a top priority for every company, and offering a comprehensive employee benefits package is a must. Our expert advisors are here to help.

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