Mutual Life Africa provides life cover and funeral cover for African nationals, expats, and diaspora communities in the UK, Europe, USA, Canada, and across Africa. Multi-currency. No medical exam. Instant cover.
Mutual Life Africa was built on a single conviction: that African families — wherever they live, work, and build their lives — deserve access to the same quality of financial protection as anyone else in the world.
The African expat and diaspora community has long been underserved by financial institutions that were not designed with their lives in mind. Policies that become invalid when you relocate. Lenders that don't recognise your financial history. Insurance that doesn't reach the family you support back home.
We exist to close that gap — through insurance that crosses borders, credit that rewards reliability, and financial infrastructure built for the African experience.
Our insurance products are designed to remain active as you move. Whether you relocate from Nigeria to London, Zimbabwe to Johannesburg, or Ghana to Dubai — your cover and your family's security move with you.
Every premium paid on time builds your financial reputation within the Group. Consistent policy tenure opens access to credit products through African Mutual Capital — turning insurance into a foundation for broader financial inclusion.
We operate in GBP, USD, EUR, and ZAR because African families live and earn across multiple currency zones. Your insurance, your credit, and your payments should reflect the financial reality you actually live in.
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.
Who it's for
60 million Africans live outside Africa. Millions more live far from the families they were born into. International Funeral Cover was built for all of them — wherever they are in the world.
North America
USA · Canada · Mexico
African professionals, students, nurses, entrepreneurs on work visas, green cards, or citizenship
Europe
UK · France · Germany · Netherlands · Belgium · Italy · Spain · Portugal · Switzerland and beyond
Middle East & Asia
UAE · Saudi Arabia · Qatar · Kuwait · China · Japan · South Korea · Australia · New Zealand
Across Africa
Nigeria · Ghana · Kenya · Zimbabwe · South Africa · Zambia · Uganda · Cameroon · Senegal · Tanzania and 25+ more
"Every African family and every African business — regardless of where they operate, what passport they carry, or what currency they earn — deserves financial institutions that work for them."
Mutual Life AfricaHow it works
Sign up from anywhere. Takes two minutes.
Pick cover and add family members globally.
USD payout to your country or back home in Africa.
Policy live immediately. Family protected worldwide.
Mutual Life Africa Funeral Cover is built for Africans living and working globally. Whether you are in Europe, the USA, or across Africa, Mutual Life Africa ensures your loved ones receive fast financial support and dignified funeral and repatriation assistance—wherever they are.
Client Support
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.
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.
Mutual Life Africa offers life and funeral cover to expats, locals, diasporas, and foreign nationals living and working in foreign countries and across Africa.
Mutual Life Africa ™ © 2026 | All Rights Reserved |
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.
Risk Disclosure: Investment, trading, and lending products carry risk, including potential loss of capital.
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.
