Expat Insurance
Expat Life Insurance from Africa provides financial protection for expatriates.
In the event of your passing, your chosen beneficiaries receive a guaranteed, tax-free lump sum payout
20+
Years of Financial Excellence
2M+
LIVES COVERED
Guaranteed Global Protection for Foreign Nationals & Families Living Abroad With Expat Life Insurance
Protect What Matters. Secure Their Future — Anywhere in the World.
Life as an expat is full of opportunity, adventure, and new beginnings — but it also comes with unique uncertainties.
Mutual Life Africa offers specialised Expat Life Insurance, designed exclusively for individuals living and working outside their home country.
With our global cover, your loved ones remain protected, no matter where life takes you.
Our Purpose, Ambition & Your Security
We exist to provide borderless life insurance for global citizens.
Our mission is to deliver flexible, reliable, internationally accessible protection for expats worldwide.
With Mutual Life Africa, you’re covered by a financially sound, trusted international insurer with seamless, secure global claims support.
Expat Life Insurance provides financial protection for expatriates. In the event of your passing, your chosen beneficiaries receive a guaranteed, tax-free lump sum payout — regardless of where they reside
You choose a cover amount and term that matches your lifestyle and obligations. Pay an affordable monthly premium.
If the unexpected happens while you're living abroad, your beneficiaries receive a swift, tax-free payout — ensuring their stability wherever they are.
Expat Life Insurance from Mutual Life Africa ensures that your loved ones can maintain their lifestyle, cover living expenses, settle debts, fund education, and manage unexpected costs — regardless of where life has taken you.
It’s peace of mind for you and security for them.
Frequently Asked Questions (FAQs)
Any individual aged 18 to 60 living outside their home country.
Yes, subject to underwriting, you can increase or decrease your cover based on your changing needs.
The waiting period is 6 months.
Yes. We ensure seamless international payouts to your nominated beneficiaries.
No. You can apply from anywhere as long as you’re living abroad.(Ts and Cs Apply)
Absolutely. You can enhance your policy with dedicated funeral protection.
Your cover remains active as long as you continue paying premiums, regardless of your location.
Yes, including fraud, suicide within the first 24 months, and specific high-risk activities.
Yes. We facilitate global payouts to beneficiaries anywhere in the world.
Depending on your health and cover amount, a medical assessment may be required.
We offer dedicated, multilingual claims support to ensure quick, efficient payouts worldwide.
Your beneficiaries can initiate the claims process via our website, mobile app, or 24/7 claims hotline.
You will need valid identification valid passport/national ID card, and proof of residence abroad, additional documents maybe requested.
What We Cover And Your Policy Benefits.
What Is Covered
- Death due to natural causes.
- Death due to accidents
- Terminal illness (where applicable)
- Worldwide coverage, regardless of your country of residence or nationality.
- Body Repatriation.
- Payouts for beneficiaries globally.
Policy Benefits
- Guaranteed tax-free lump sum payout upon death
- Global coverage — protection wherever you live or work.
- Flexible cover amounts to suit your needs.
- Affordable premiums with the option to increase cover.
- Multilingual, global claims support
- Beneficiaries can be located in different countries.
- Legacy protection for your family and dependents.
Affordable Comprehensive Cover For All Nationalities
We offer three distinct life cover plans, thoughtfully designed to meet the evolving needs of individuals at different stages of life.
Explorer Plan
This plan is designed for young adults between the ages of 18 to 29,embarking on life’s journey. It offers affordable, flexible life cover to provide peace of mind while you focus on building your future.
Achiever Plan
The Achiever Plan provides comprehensive life cover for individuals aged between 30 and 39. It’s built to protect your growing responsibilities and ambitions.
Nurturer Plan
For individuals aged 40 to 50, tailored for those in their prime, this plan offers robust life cover for individuals between the ages of 40 and 50.
Mutual Life 360 — Your World. One Powerful App.
From filing claims and managing your policies, to applying for credit, increasing, freezing or decreasing your debit and credit card limits, to instantly sending money abroad.
Mutual Life 360, simplifies and streamlines your entire finances with Ai powered financial intelligence.
