The African diaspora in the United States is one of the most financially active and professionally accomplished in the world. With significant communities in New York, Houston, Atlanta, Washington DC, Dallas, Minneapolis, and cities across the country, African-born professionals in the USA collectively send tens of billions of dollars to Africa every year.
And like African diaspora communities in the UK and Europe, the vast majority of Africans in the USA have no funeral cover protecting their family back home.
This guide is a complete introduction to funeral cover for Africans living in the USA: what it is, what repatriation from America to Africa costs, what products are available, and how to apply today.
Why American Life Insurance Does Not Protect Your Family in Africa
American life insurance — term life, whole life, universal life — is designed for American family structures. US-based beneficiaries with US bank accounts. Coverage of a US mortgage, US-based dependants, US income replacement.
It does not cover your parents in Lagos or Accra. It does not include repatriation of remains from the USA to Africa. It does not pay to MTN Mobile Money in Nigeria or M-Pesa in Kenya. Like their UK counterparts, American insurance products were built for a demographic that does not include African diaspora cross-continental families.
What Repatriation From the USA to Africa Actually Costs
Repatriation from the United States to Africa involves similar cost components to UK-to-Africa repatriation but with US-side pricing and longer distances that increase air freight costs.
Mortuary preparation and embalming in the USA: USD 700 to USD 1,500.
Documentation through the relevant African embassy in Washington DC or New York: USD 150 to USD 500.
Zinc-lined coffin for international air cargo: USD 800 to USD 1,600.
Air freight from a US airport to Africa. To Nigeria: USD 5,000 to USD 9,000. To Ghana: USD 4,500 to USD 8,500. To Kenya: USD 6,000 to USD 11,000. To South Africa: USD 7,000 to USD 12,000.
Airport handling and domestic transport in Africa: USD 300 to USD 800.
Total realistic range for USA-to-Africa repatriation: USD 9,000 to USD 22,000.
Mutual Life Africa USD International Plan for Africans in the USA
Mutual Life Africa’s USD International Plan is available to African diaspora members worldwide, including across the United States. Premiums are paid in USD via PayPal. Payouts are in USD, delivered to mobile money accounts or African bank accounts.
Three plan tiers:
Single Plan: USD 24.99 per month, up to 8 family members in one African country, USD 7,500 payout with full repatriation.
Extended Plan: USD 49.99 per month, up to 10 members across multiple African countries, USD 15,000 payout.
Max Plan: USD 99 per month, up to 15 members across multiple countries, USD 20,000 payout.
No medical examination required. Members up to age 70 can be added.
USD Life Cover for African Professionals in America
For Africans in the USA who are the primary financial support for family in Africa, Mutual Life Africa’s USD Life Cover provides up to USD 1,000,000 in income replacement for African dependants. Available to applicants aged 18 to 59.
How to Apply From the USA
Apply at mutuallife.africa. Select USD as your currency. Choose your plan. Add your family members in Africa. Complete payment via PayPal. Your policy is active immediately.
The African diaspora in America deserves the same financial protection as African diaspora communities anywhere in the world. Apply today.
The First Step for Africans in the USA Who Are Not Yet Covered
If you are an African living in the USA and you do not yet have funeral cover for your family in Africa, the most important action you can take today is applying for Mutual Life Africa’s USD Extended Plan at USD 49.99 per month. This covers up to 10 family members across multiple African countries, includes full repatriation from the USA to Africa, and pays out to mobile money or African bank accounts.
The process takes under ten minutes. Your policy is active immediately. Your waiting period begins the day you apply. The longer you wait, the longer you are without cover — and the closer your parents may be to the age 70 addition limit.
Apply at mutuallife.africa today.