Global Life that follows you
Protect yourself or loved ones living in their home country (or in another country outside the U.S.) with life insurance in USD/EUR/GBP.
Apply while abroad; keep coverage worldwide after issue including while living in the U.S. (sanctions/eligibility apply).
- Subscribed by Guardrisk
- Reinsured by Gen Re
- USD/EUR/GBP
Why people choose Global Life Insurance?
Portable worldwide
Hard-currency protection in USD/ EUR/ GBP
to plan confidently for tuition, mortgage, or legacy.
Fast digital onboarding
Meaningful sums assured
USD 50,000 – 6,000,000 with guaranteed level premiums (terms 1–30 years).
Valuable extras
Personalized and bilingual service (EN/ES)
We explain terms, options, and requirements in your language; cross-border experience.
Who can qualify? (at a glance)
Apply/issue while living outside the U.S.
(new policies cannot be issued to current U.S. residents).
Ages 18–69
At application.
Term Life Insurance
That you can choose from 1–30 years; USD /EUR /GBP.
Country eligibility required
(some countries are not eligible; we pre-screen for you).
Great for
Individuals living outside the U.S. who want to insure themselves in hard currency.
Members abroad who want to insure parents or a spouse back home.
Families planning in USD/EUR/GBP for education, mortgage, and estate needs.
Professionals rotating home country U.S. who need cover that travels with them after issue.
Why take out life insurance?
(15 clear and real reasons)
1. Income protection
Replace your salary so your family can maintain their lifestyle.
Debt payment
Pay off your mortgage, loans, and credit cards to avoid inheriting burdens.
Final expenses
Covers funeral, procedures and pending medical costs.
Education of children
Guarantees funding for college and university.
Stability for dependents
Spouse, children, elderly parents or family members with disabilities.
Estate planning
Facilitates inheritances and immediate liquidity for taxes/inheritance.
Match inheritances
Compensates children when there are indivisible assets (e.g., a property or business).
Business protection
Purchase-sale agreements (buy-sell), continuity and “key person”.
Loan guarantee
It serves as collateral for personal or business loans.
Current rates and health
Secure low premiums today and your insurability in the event of health changes.
Legacy and Philanthropy
Make a meaningful donation to causes you care about.
Temporary goal protection
Cover a mortgage or critical stage with term insurance.
International coverage
Portability for expats and families in multiple countries.
Coverage of legal obligations
We offer alimony or civil settlements.
Tranquillity
Peace of mind today, no matter what happens tomorrow.
How it works? 3 simple steps
Pre-check
Tell us your country of residence, age/DOB, smoker status, amount & term; choose USD/EUR/GBP.
Quote & apply
Covered worldwide
Frequently asked questions
1) Can I apply if I’m in the U.S.?
No. You must be living outside the U.S. at application and issue. After issue, cover is portable worldwide (including U.S.), subject to sanctions and policy terms
2) Can I insure myself if I live in my home country?
Often yes, provided your current country of residence is eligible and you pass underwriting. We pre-screen this for you.
3) Can I insure parents or a spouse living back home?
Often yes, if their current residence is eligible and underwriting approves. Beneficiaries can live in another country.
4) Do I need medical exams?
Not always. Within instant-cover age/amount bands, no medicals are typically required. Above those—or if disclosures flag risk—medical underwriting applies.
5) What ages, amounts, terms, and currencies are available?
Typical ranges: 18–69 to apply; USD/EUR/GBP; terms 1–30 years with level premiums; sum assured from USD 50,000 up to multi-million (subject to underwriting rules).
6) What about smokers or hazardous activities?
Smokers pay more. Some pursuits/occupations may require extra questions or loadings.
7) If I move countries later, is my policy still valid?
Yes—once issued, coverage is designed to travel with you (excluding sanctioned territories). Please notify address changes.
Pre-check
(Check if you are eligible, we will respond shortly)
Compliance note
New issues are not available to individuals currently resident in the United States. Country eligibility and sanctions lists change; all coverage is subject to underwriting, KYC/AML, and policy terms.
See Life Insurance Concepts
Contact us today!
Get a personalized quote
We care about our customers, so please send us any questions or concerns you may have; we’re here to help.
Quote and Request
Frequently asked questions
1) Can I apply if I’m in the U.S.?
No. New policies can only be issued while you’re living outside the U.S. After issue, coverage is portable worldwide (including while living in the U.S.), subject to sanctions and policy terms.
2) Can I insure myself if I live in my home country?
3) Can I insure parents or a spouse living back home?
4) Do I need medical exams?
5) What ages, amounts, terms, and currencies are available?
6) What about smokers or hazardous activities?
7) If I move countries later, is my policy still valid?
8) How do I pay premiums?
9) How are claims paid across borders?
10) Taxes?
11) Who is the insurer behind this Global Life product?
12) What are the financial strength ratings of the companies behind this product?
- Insurer (Guardrisk Life International / Guardrisk Group):Moody’sBa1 Insurance Financial Strength Rating (global scale). On the South Africa national scale, Guardrisk Life/Insurance are Aaa.za. (Rating action dated Nov 18, 2024; outlook stable.) Guardrisk+1
- Reinsurer (Gen Re): AM Best A++ (Superior); Moody’s Aa1; S&P AA+(all with stable outlooks per recent publications).A.M. Best Ratings+2Genre+2
These ratings refer to the financial strength of the insurer/reinsurer supporting the product, not to any specific policy or guarantee of future performance.
Life Insurance Concepts
Key definitions to understand the essential elements of a life insurance policy
1. Term Life
2. Level Term
3. Decreasing Term
4. Sum Assured (Death Benefit)
5. Premium
The price of the policy (monthly/quarterly/semi-annual/annual).
6. Policy Owner vs. Life Assured
Life Assured = the person whose life is insured (may be the same person).
7. Beneficiary
8. Riders (Add-ons)
9. Underwriting
Risk assessment of health, lifestyle, occupation, and residence.
- Instant cover: in many cases, within age/amount bands, no medical exams.
- If limits are exceeded or answers flag risk medical underwriting.