You deserve a life cover policy that caters to your needs as a global citizen.
Expat Life Insurance from Mutual Life Africa is designed specifically for expatriates living and working in Africa, as well as African nationals who have built their lives in other countries.
Mutual Life Africa’s Expat life cover policy provides reliable, cross-border financial protection to ensure your loved ones are cared for — no matter where you call home.
We understand the challenges of living far from your country of origin — navigating new systems, supporting family back home, and planning for the future across borders.
That’s why our Expat Life Insurance offers flexible, affordable, and globally accessible coverage, giving expats peace of mind and long-term security.
Whether you’re a foreign professional in Africa or an African citizen working abroad, Mutual Life Africa stands with you — providing trusted life cover rooted in African values and built for life without borders.
Mutual Life Africa’s expat life cover is a popular option for digital normals and expats as it allows the policyholder to stay in different countries and still maintain their cover.
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.
Protect yourself and family from life’s uncertainties.
We offer three distinct life cover plans, thoughtfully designed to meet the evolving needs of individuals at different stages of life.
- This policy can not be bought for or by individuals permanently living in Sudan, South Sudan, Democratic Republic of the Congo, Somalia, Central African Republic, Mali, Burkina Faso, Niger, Chad, Myanmar, Syria, Yemen, Afghanistan, Pakistan, Israel, Palestine (Gaza), Iraq, Iran, Lebanon, Ukraine, Russia, Armenia, Azerbaijan, Colombia, Ecuador.
- THIS POLICY COVERS
- Death due to natural causes.
- Accidental Death Cover
- Terminal illness (where applicable)
- Financial Protection & Debt Coverage
- Credit Protection
- Estate Duty or Inheritance Tax Coverage
- International Repatriation
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.