Life insurance and funeral cover built for Africans at home and abroad. Mutual Life Africa serves expats, diaspora, and foreign nationals across Africa and globally — with multi-currency payouts, instant policy documents, and no health checks.
Mutual Life Africa serves leading global corporations such as Shell plc, Glencore, and Transocean, providing specialised Foreign Workers Compensation Cover that protects employees across borders with comprehensive support for workplace injuries, medical care, and repatriation.
You should not have to choose between affordable cover and a provider that understands your circumstances.
You should not have to explain why your family is in three different countries, or why you need a payout in a currency your beneficiary can actually use.
That is exactly what we built Mutual Life Africa around. Here is what that looks like in practice.
Your family should not receive a payout in a currency they cannot use. We issue and pay out cover in GBP, USD, EUR, and ZAR — whichever works for your life.
Your policy does not stop at a border. Whether you move, travel, or support family across multiple countries, your cover stays active without reapplication.
When a loved one passes away abroad, getting them home is the first priority. Our repatriation benefit covers the cost of transporting the deceased back to their home country.
One plan can cover family members living in different countries. You do not need a separate policy for each person or each location — one plan, multiple regions, fully protected.
Book flights, stays, and experiences in-app, earn cashback with the Global Traveller Card, plus 24/7 emergency support—including flights back home and paid short-stay accommodation—so you’re covered wherever you travel.
Instant access to qualified doctors, anytime, anywhere—plus seamless referrals for international medical tourism when you need specialist care abroad. Skip the que, get expert advice, and global treatment options.
Mutual Life Africa serves African nationals across the continent, and Africans living and working abroad.
Our international client base spans the United States, Canada, and key markets across Asia. In Europe, we serve African communities across the United Kingdom, France, Germany, Italy, Spain, Portugal, the Netherlands, Belgium, Sweden, Norway, Denmark, Ireland, Switzerland, Austria, Poland, the Czech Republic, Finland, Greece, Luxembourg, and Malta.
Through a cross-border operating model, we give Africans everywhere — whether at home or abroad — direct access to life insurance, funeral cover, repatriation benefits, and financial solutions built around their circumstances.
Mutual Life Africa was built around a simple observation: most financial and insurance products were not designed for people who live across borders, send money home, or hold family ties in multiple countries at once.
We serve African nationals on the continent and Africans who have built lives abroad — in the United Kingdom, France, Germany, Italy, Spain, Portugal, the Netherlands, Belgium, Sweden, Norway, Denmark, Ireland, Switzerland, Austria, Poland, the Czech Republic, Finland, Greece, Luxembourg, and Malta, as well as the United States, Canada, and key markets across Asia.
What that means in practice: life cover that does not lapse when you relocate. Funeral cover that pays out where your family actually is. Repatriation support when distance makes grief harder. Financial products denominated in the currencies you earn and spend.
The people we serve are not underserved because they are hard to reach. They are underserved because most providers never tried to reach them. We did.
When you live and work abroad, the people you support are often far away. Our life cover ensures your family receives a guaranteed payout in the currency they need, with no delays.
No medical exams or complex underwriting—just choose your cover, currency, and beneficiaries.
Funeral costs across Africa and the diaspora can be high, and families often aren’t prepared. Our funeral cover ensures a fast, dignified payout to your chosen beneficiary andfree international body repatriation. Manage everything easily through the app—update beneficiaries, track your cover, and stay in control.
Cross-Border Business Cover protects your operations across multiple countries under one plan. Whether you’re managing teams, assets, or partners in different regions, you get consistent, reliable coverage that moves with your business.
Have questions? We’ve got you covered. Here are answers to some of the most common queries about our cover, services, and how we support you globally—so you can make informed decisions with confidence.
Mutual Life Africa is a global insurance platform designed for people living and working abroad, offering life, funeral, and travel-related cover that protects you and your family across multiple countries.
Anyone living or working internationally, especially within the African diaspora, can apply—subject to age limits and basic eligibility requirements.
Yes. You can cover family members in different countries under one policy, with payouts made in their local currency.
Your cover remains active globally, whether you are in Europe, Africa, or other supported regions.
Claims are processed quickly and paid directly to your nominated beneficiary in their chosen currency.
No. Most plans do not require medical exams or health checks to get started.
Your cover begins as soon as your application is completed and approved.
Yes. You can manage your policy, update beneficiaries, and track your cover entirely through the Mutual Life Africa app.
Global Concierge is a travel support service that lets you book flights, accommodation, and experiences, earn cashback, and access 24/7 emergency assistance, including flights home and short-stay accommodation.
You get 24/7 assistance for emergencies such as repatriation, urgent travel arrangements, and temporary accommodation.
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Mutual Life Africa offers life and funeral cover to expats, locals, diasporas, and foreign nationals living and working abroad and countries and across Africa.
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Legal Disclosure: The services provided by Mutual Life Africa are delivered through its licensed and regulated entities.
The specific entity providing your services may vary depending on your location, the type of product, and applicable local regulations. To find out more, please visit our corresponding master compliance page.
All services are subject to:
Eligibility: Only available to individuals and organizations from jurisdictions not listed as restricted.
Regulatory Compliance: Operations comply with local and international financial regulations.
Availability: Some services or features may not be available in all regions or for all clients.
By accessing our services, you acknowledge and accept these terms.
