The African diaspora in the United States includes professionals across every major sector of the American economy. Doctors, engineers, lawyers, academics, tech workers, entrepreneurs, and tradespeople — African-born Americans and their children contribute significantly to the country’s professional and economic life.
And across this professionally accomplished community, one financial gap appears with remarkable consistency: adequate insurance protection for family in Africa.
Most Africans in America have some form of American insurance — employer group life, a term life policy, perhaps mortgage protection. These products serve American financial obligations adequately. They do not serve the African side of a diaspora family’s financial life at all.
The Two Insurance Needs Every African in America Has
The first is standard American life insurance. This covers the American mortgage, the American-based spouse and children, the American income replacement need. American insurance products — available from MetLife, Prudential, Northwestern Mutual, New York Life, and hundreds of others — address this need well. For American financial obligations, American products are the right choice.
The second — and the one almost universally missing — is diaspora funeral cover for family in Africa. This covers the specific financial exposure that American insurance ignores entirely: the cost of a death involving African family members, repatriation from the USA to Africa running to USD 10,000 to USD 22,000, the local funeral in Africa, and the immediate financial shock to the bereaved family.
Why Remittance Is Not Insurance
A significant proportion of Africans in America send monthly remittances to family back home. This is an act of love and financial responsibility. It is not insurance.
Remittance stops the moment you cannot send it. If you die, your African family loses both you and the income stream simultaneously — with no transition, no severance, and no safety net. Insurance provides the lump sum that remittance cannot: a guaranteed financial response to a catastrophic event.
Mutual Life Africa USD International Plan for Africans in America
Mutual Life Africa’s USD International Plan is available to African diaspora members across all American states. Premiums are in USD via PayPal. Payouts are in USD to African mobile money or bank accounts.
Single Plan: USD 24.99 per month, USD 7,500 payout, up to 8 family members in one African country.
Extended Plan: USD 49.99 per month, USD 15,000 payout, up to 10 members across multiple African countries.
Max Plan: USD 99 per month, USD 20,000 payout, up to 15 members across multiple countries.
No medical examination. No health questionnaire. Members up to age 70.
USD Life Cover for African Breadwinners in America
For Africans in America who are the primary income source for family in Africa, Mutual Life Africa’s USD Life Cover provides up to USD 1,000,000 in income replacement for African dependants. This is the product that ensures your family’s financial stability extends beyond your lifetime — not just covering the funeral, but replacing the years of income they would otherwise lose.
The Complete Picture
American life insurance for American obligations plus Mutual Life Africa diaspora cover for African family obligations. Both are necessary. Neither replaces the other.
Apply at mutuallife.africa. Select USD. Choose your plan. Protect your family in Africa today.
The Combination That Protects Africans in America Completely
For Africans in the USA who want complete financial protection, the combination is straightforward: American life insurance for American obligations, Mutual Life Africa USD International Plan for African family funeral cover, and Mutual Life Africa USD Life Cover for income replacement for African dependants.
The annual cost of the Mutual Life Africa Extended Plan is USD 599.88 — less than one month’s average remittance for many African professionals in America. The protection it provides in the event of a family death in Africa is the difference between a manageable grief and a multi-year financial crisis.
Apply at mutuallife.africa. Select USD. The process takes under ten minutes from anywhere in the United States.