In partnership with Expat.com

Life insurance built for expats, wherever you live

EZPZ offers term life insurance designed for people who live, work, or retire far from their home country, with coverage that follows them anywhere in the world.

The whole application happens online in about fifteen minutes, with no medical exam for many eligible applicants and premiums that stay locked in for the life of the policy.

★★★★★

« The whole process is digital, fast and easy to manage. »

Sergio Nieto Garces

★★★★★

« Life insurance is a mine field and I had no idea where to start. Quinn spoke to me and walked me through it, making everything smooth and easy. »

Josh Webber

★★★★★

« The entire process of applying for life insurance was smooth and fast. My advisor was incredibly responsive to all my questions. »

Paul Green

Verified Google reviews

Profile

Coverage

Contact

Meet the founder

Life insurance for expats, created by an expat

Founded by Quinn Miller, himself an expat and a father, after more than twelve years spent helping international families with insurance and protection matters.

Policies are issued by Unisure International Life Insurance, a UK-registered insurer regulated by the Financial Conduct Authority (full regulatory details are in the partner notices below).

Quinn MillerFounder, Expat.com partner

The difference

Insurance that travels with you

This product is designed specifically for internationally mobile people and remains suitable when their country of residence changes.

✓
No blood tests for most eligible applications
A one-minute biometric face scan, taken with your phone's camera, can replace the traditional medical exam for eligible applicants, depending on age, coverage amount, and health declarations (full conditions in the partner notices below).
✓
Portable across 180+ countries
Your policy keeps working if you move to a new country, including moving back home, with no need to reapply.
✓
Flexible, changeable beneficiaries
You choose one or several people, or even an entity or a trust, as beneficiaries, and can change them anytime during the policy term.

Coverage built for international mobility

Premiums are set at signature and guaranteed for the full term, with no repricing for age, inflation, or a change of country of residence. The policy can be paid in US dollars, pounds sterling, or euros, whichever currency suits your beneficiaries best.

An application built to move fast, without cutting corners

Here's what happens between your first quote and an active policy.

Get your quote

Enter your age, country of residence and desired coverage.

Complete your application

Choose your coverage, answer the health and lifestyle questions and complete the Face-iT Scan when eligible.

Get covered

Once approved, make your first payment and your coverage starts.

Many applications can be reviewed quickly, without the long delays often associated with traditional underwriting.

Support by email and WhatsApp
Application reviewed quickly
Personal support if questions arise

Frequently asked questions

What is term life insurance?

It's insurance that covers a set period, from 5 to 30 years. If the policyholder dies or is diagnosed as terminally ill during that period, the chosen amount is paid to their beneficiaries. Unlike a savings-based life insurance product, it has no investment component, which keeps it simpler and more affordable.

Who can apply?

Applicants aged 18 to 69 who live outside their home country, or split their time between countries, can apply, with coverage that can run until age 80. US residents aren't eligible, and neither are some sanctioned countries.

Do I need a medical exam to get covered?

Not always. Many applicants aged 19 to 54 can complete a one-minute biometric face scan instead of a traditional medical exam, for coverage up to $750,000 under age 45, or up to $500,000 from age 45. Applicants aged 55 and over, or anyone with certain health declarations, may still be asked for a basic medical exam.

Does my policy follow me if I move to a new country?

Yes. Coverage remains valid across more than 180 countries, subject to the policy terms and applicable restrictions.

Who regulates and backs my policy?

Your policy is administered by Tenzing Pacific Services Limited, an authorized intermediary and distributor of policies issued by Unisure International Life Insurance. The whole arrangement is regulated by the Financial Conduct Authority (FCA) in the United Kingdom and reinsured by Gen Re, a Berkshire Hathaway subsidiary.

Ready to see what your coverage could cost?

Get a personalised quote with no obligation.

Get my quote

Partner information and terms

This page offers information about term life insurance policies for expats. It does not constitute financial advice or a contractual offer; responsibility for the product rests with the partner named on this page, not with Expat.com.

Expat.com connects its members with independent partner providers. Services, pricing, and terms are the sole responsibility of that partner. Information submitted through this form is shared with them solely to process your request, and the reviews shown come from their own verified Google reviews, independent of Expat.com.

Quotes shown on this page are estimates only and do not constitute a final, binding rate. Your final premium may be higher or lower depending on your health declarations, BMI, medical history, occupation, and lifestyle. A medical exam is typically waived for healthy applicants aged 19 to 44 seeking up to $750,000 of cover, or aged 45 to 54 seeking up to $500,000 (in USD, EUR, or GBP equivalent); applicants aged 55 and over require a basic medical exam, and one may be requested at any age based on your declarations. Any exam costs are reimbursed once your policy is issued.

EZPZ is a trading name of Tenzing Pacific Services Limited, an authorized intermediary and distributor of Unisure International Life Insurance. Unisure is a UK-registered company regulated by the Financial Conduct Authority (FCA), and all policies are reinsured by Gen Re, a subsidiary of Berkshire Hathaway. As a broker, EZPZ acts on behalf of its clients rather than the insurer; additional quotes, or a different provider suited to your profile, are available on request.

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