Expatriate Group
Term Life Insurance
The Expatriate Group Term Life Insurance is an international term life insurance for any nationality living in any country. Applications are possible between 18 and 69 years, with an end age of 74, and the policy can run for a minimum of 1 year up to a maximum of 30 years. The insurance provides a one-time death benefit if the insured person dies during the contractual period.
Aangeboden via 
Voor wie is deze verzekering geschikt?
- Any nationality living in any country, subject to acceptance by the insurer.
- Applicants aged 18 to 69; the cover ends at the latest at age 74.
- Family protection, loan protection, estate planning or business protection.
- Insured amounts from €50,000 up to €6,500,000.
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One time Death Benefit
Paid if the insured person dies during the contractual period.
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€50,000 to €6,500,000
Choose the insured amount, subject to a medical acceptance procedure.
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Any nationality, any country
For any nationality living in any country, subject to acceptance by the insurer.
Wat is er gedekt?
Klap een onderdeel open voor wat wel en niet is verzekerd, de bedragen.
Wat is verzekerd
- Payment of the Sum Assured if the Life Assured dies after the Start Date and on or before the Expiry Date.
- Death by any cause, with the exception of the exclusions below.
- Terminal Illness Accelerator: payment if you have less than 10 months to live and over 2 years remain.
- Single Life, Joint Life First Death or Joint Second Death policies.
Wat is niet verzekerd
- Suicide, while sane or insane, within 2 years of the Start Date or of reinstatement of a lapsed policy.
- Active participation in any war, civil war, insurrection, riot, terrorist act or other civil unrest.
- Breach of any criminal law by the Policyholder or a Life Assured.
- Travel in any aircraft other than as a fare paying passenger on a commercially licensed passenger aircraft.
Maximale vergoedingen
- Minimum insured amount
- €50,000
- Maximum insured amount
- €6,500,000
- Duration
- 1 to 30 years, or up until end age 74
Let op
Pilots can be covered, but they are not insured while they are flying for their work.
If death results from suicide within two years of the Start Date, the Death Benefit is limited to a refund of the premiums paid.
Wat is verzekerd
- The premium is guaranteed for the entire policy term.
- The Death Benefit is guaranteed for the entire policy term, subject only to the exclusions.
- You may appoint primary and secondary beneficiaries with a Beneficiary Designation Form.
- You can request a decrease or apply for an increase of the Sum Assured, within the minimum and maximum.
- Cover continues if the premium remains unpaid for up to 90 days after the due date.
Wat is niet verzekerd
- A cash-in value: the policy has no cash-in value at any time.
Let op
If the premium remains unpaid for more than 90 days after the due date, the insurer may cancel the policy, and the benefit ends without payment.
Waar u op moet letten
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Medical acceptance procedure applies
Physical medical tests may be required by the insurer. Whether that applies depends on the answers that they receive on the (medical) questions during the application procedure.
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Exclusions or surcharges may apply
Your nationality versus country of living, medical history, work, hobbies and sports are taken into account. The insurer decides whether and on what conditions they can insure you. If you do not accept an exclusion or surcharge, your application will become void free of charge.
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30 days cooling-off period
Within thirty days of the Start Date of the Policy, the Policyholder has the right to cancel the Policy with a refund of premiums paid, net of any medical examination expenses incurred by the company in assessing the health of the Life Assured.
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Mention professional or dangerous sports
Practicing professional sports is not excluded from the coverage. We do recommend that you mention the practice of professional and/or dangerous sports when applying, so that the insurer is informed and there is no confusion about this in the event of death.
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Underwritten by Guardrisk
This Term Life insurance is offered by Expatriate Group and underwritten by Guardrisk, a wholly owned subsidiary of Momentum Metropolitan Holdings Limited. Both are rated 'Baa' by Moody's. The policy is governed by the laws of Mauritius, subject to the exclusive jurisdiction of the Mauritius courts.
Veelgestelde vragen
Liever persoonlijk advies? Onze adviseurs kijken met u mee naar uw situatie, uw bestemming en de voorwaarden die daarbij horen.
Vraag gratis adviesPremie berekenen
Bereken uw premie met de vergelijkingstool
Voor deze verzekering is geen eigen premietool beschikbaar. In onze algemene vergelijkingstool berekent u een premie-indicatie en ziet u meerdere verzekeraars naast elkaar. Aanvragen doet u niet in de tool, maar via JoHo Insurances.
Naar de vergelijkingstool
Wat bepaalt uw premie?
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The insured amount and the duration
You choose an insured amount from €50,000 to €6,500,000 and a duration of 1 to 30 years. A lower Sum Assured gives a lower premium, down to the minimum premium.
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Your medical history and lifestyle
Your nationality versus country of living, medical history, work, hobbies and sports are taken into account during the application. Exclusions or surcharges may apply.
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Smoker or non-smoker
To be considered a non-smoker, you must not have used any form of tobacco or nicotine based products within the last 12 months.
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The type of policy
You choose Single Life, Joint Life First Death or Joint Second Death, and the currency of your quote: USD, GBP or EUR.
Zo vraagt u deze verzekering aan
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Bereken uw premie en vraag online aan
Fill out the online quote and application tool to calculate the premium (subject to underwriting) and apply. For a clear overview, we advise applying on a laptop or desktop, not on a tablet or phone.
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Beantwoord de (medische) vragen
Physical medical tests may be required, depending on your answers. If you have questions during the application, ask for help via the Live Chat button at the bottom right of the page.
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Wacht op het besluit van de verzekeraar
The insurer decides whether they will be able to insure you, and on what conditions. If you do not accept an exclusion or surcharge, your application will become void free of charge.
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Lever uw legitimatie aan
The insurer checks your identity and address. You provide proof of identity, such as a copy of your passport, usually within 14 days from the start date of the policy.
Wat heeft u nodig?
- Your medical history, work, hobbies and sports, for the (medical) questions.
- The insured amount, the duration and the currency (USD, GBP or EUR) of your choice.
- A copy of your passport or other government issued photo identification.
- A credit card for monthly premiums; annual premiums are also possible.
- For loan or business protection: additional information, if Expatriate Group asks for it.
Direct aanvragen
Afwijkende aanvraagroutes
Apply with the PDF application form
If you don't want to apply online, you can also use the PDF application form (see the Service tab). In some cases, for example when applying for loan protection or business protection, Expatriate Group might ask you to send additional information by email.
Do you have a question about this insurance?
We are happy to answer your questions about Expatriate Group Term Life Insurance. Fill out the contact form at https://www.expatverzekering.nl/forms/expatriate-group-term-life-insurance/.
Waarom afsluiten via JoHo Insurances
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Dezelfde premie
U betaalt via JoHo Insurances dezelfde premie als wanneer u de verzekering rechtstreeks bij de verzekeraar afsluit.
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Gratis persoonlijk advies
Vul het adviesformulier in en u krijgt een gratis advies dat is afgestemd op uw persoonlijke situatie en plannen.
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Hulp bij schade en declaraties
Loopt er iets mis of komt u er met een declaratie niet uit, dan helpen wij u en bemiddelen wij bij de verzekeraar.
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Nederlandstalig aanspreekpunt
U spreekt of mailt in het Nederlands met ons kantoor in Leiden, ook als u aan de andere kant van de wereld woont.
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AFM-erkend bemiddelaar
JoHo Insurances is een door de AFM erkend bemiddelaar (nr. 12043929) in verzekeringen.
Contact met JoHo Insurances