Atlas Life specialist international life insurance
About Atlas Life for Expats
Atlas Life
A specialist international life insurance company for expats and globally mobile individuals — Seychelles-regulated since 2012, with policyholder risk reinsured across Swiss Re, RGA and Arch Re, three of the world's most highly rated reinsurers.
Every insurer in this directory is reviewed on an ongoing basis by our advisory board against 5 professional criteria — Reliability, Benefits Value, Flexibility, Pricing, and Admin & Claims. Insurers are re-rated as regulations, reinsurance backing, and claims behaviour change, so what you see here reflects our current standing recommendation, not a one-time listing.
No single insurer fits every risk
We represent more than 25 insurers precisely because medical, vehicle, home, factory/office, and professional liability cover each reward a different kind of underwriter. An insurer we rate highly for expat medical cover may not be who we'd recommend for a factory property policy. This profile tells you what Atlas Life is — and isn't — the right fit for.
How Atlas Life scores on our 5 criteria
Scored out of 5 on each criterion. See the full methodology for how we assess reliability, benefits, flexibility, pricing and claims handling across all partner insurers.
Reliability
Every policyholder risk is reinsured across a panel of three highly rated global reinsurers — Swiss Re (AA- S&P / A+ AM Best), RGA (AA- S&P / A+ AM Best / A1 Moody's) and Arch Re (A+ S&P / A+ AM Best) — regulated in Seychelles as a dedicated long-term life insurer since 2012.
Benefits Value
A lump-sum death benefit with an automatic terminal illness benefit built in, plus optional critical illness and disability riders — solid and well-priced, though as a life-only specialist it doesn't bundle the broader benefit categories a multi-line insurer might.
Flexibility
Cover from US$100,000 up to bespoke arrangements above US$5 million, priced individually rather than off a fixed rate card, available in all major currencies, and usable for personal or business needs (including key-man and buy-sell agreement cover).
Pricing
A boutique specialist rather than a mass-market insurer, but competitively priced for the high-value, bespoke cover it's built for — clients report genuine value relative to comparable international life plans.
Admin & Claims
An underwriting team of experienced life insurance professionals and consistently strong claims feedback — policyholder families specifically cite efficient, compassionate handling of death claims, which is where a life insurer's service quality matters most.
A boutique specialist, reinsured by three of the world's largest names
Atlas Life Insurance (PCC) Ltd was established in 2012 in Victoria, Seychelles, and has built a reputation in the expat market as a boutique but well-established specialist — small enough to give personal, high-touch service, but backed by reinsurance treaties with three of the largest life reinsurers in the world. It signed its first treaty with RGA in 2012 and with Swiss Re in 2013, later adding Arch Re to broaden its reinsurance panel further. Atlas Life covers expats and internationally mobile clients across many countries, offering term life insurance as its core product with an automatic terminal illness benefit built in, plus optional critical illness and disability riders.
Cover starts from US$100,000, with bespoke, individually priced arrangements available above US$5,000,000 for high-net-worth or business needs such as key-man insurance and buy-sell agreements. Policies are available in all major currencies, with premiums payable by bank transfer, credit or debit card. Because Atlas Life is Seychelles-regulated, policy benefits paid to non-residents of the Seychelles are free of all local taxes.
Regulation & financial backing
- Regulated by the Seychelles Financial Services Authority as a dedicated long-term life insurance company.
- Policyholder risk reinsured across Swiss Re (AA- S&P, A+ AM Best), RGA (AA- S&P, A+ AM Best, A1 Moody's) and Arch Re (A+ S&P, A+ AM Best) — three separate, independently highly rated reinsurers rather than reliance on one balance sheet.
- Established in 2012; a boutique specialist by size, not a mass-market multi-line insurer.
Who we recommend Atlas Life for
Ideal client profile
Expats and internationally mobile individuals or families who want substantial, bespoke life cover that travels with them, priced in their currency of choice, backed by a diversified panel of top-tier reinsurers rather than a single balance sheet. Also a strong fit for business owners needing key-man insurance or buy-sell agreement funding. Not a fit for anyone wanting health, travel or general insurance bundled with the same provider — Atlas Life is a pure life-insurance specialist, and we'd pair it with one of our health-insurance partners for complete cover.
Term Life Insurance
A lump-sum death benefit for beneficiaries, from US$100,000 up to bespoke arrangements above US$5 million, with an automatic terminal illness benefit included.
Critical Illness
A lump sum paid on diagnosis of one of the illnesses covered under the plan, addable to a core term life policy.
Disability Cover
Additional financial protection if illness or injury leaves you unable to work, layered onto your core policy.
Key-Man Insurance
Protects a business against the financial loss of losing a key individual to death or critical illness.
Buy & Sell Agreement Cover
Funds ownership transfer arrangements between business partners in the event of death or critical illness.
Multi-Currency, Tax-Free Benefits
Policies available in all major currencies; benefits paid to non-residents of the Seychelles are free of all local taxes.
Common questions about Atlas Life
Sourced and paraphrased from Atlas Life's own site — answered here in the context of expats based in Vietnam and ASEAN.
Does Atlas Life sell health or travel insurance too?
No — Atlas Life is a pure life-insurance specialist. It doesn't sell health, medical or travel insurance, so we'd pair a life policy here with one of our health-insurance partners for complete cover.
How much cover can I get?
Standard cover starts from US$100,000. For larger requirements, Atlas Life offers personalised, individually priced arrangements above US$5,000,000, typically for high-net-worth individuals or business needs like key-man insurance.
Why is my risk spread across three reinsurers?
Atlas Life reinsures all policyholder risk with Swiss Re, RGA and Arch Re rather than carrying it on one balance sheet — each was chosen for financial strength, claims-paying ability and capacity, which is what ultimately backs your payout.
What currency can I hold my policy in?
Policies are available in all major currencies, and premiums can be paid by bank transfer, credit or debit card.
Is a terminal illness benefit included automatically?
Yes — an automatic terminal illness benefit is built into the core term life plan, with optional critical illness and disability riders available on top for additional protection.
Will my beneficiaries pay tax on the payout?
Because Atlas Life is regulated in the Seychelles, policy benefits paid to non-residents of the Seychelles are free of all local taxes — though your own country of residence may apply its own tax rules.
Reach Atlas Life or your advisor
Atlas Life doesn't publish a direct phone number or email on its site — enquiries go through their contact form, or through your InsuranceinAsia advisor, who can liaise with Atlas Life's underwriting team on your behalf for new applications or existing policy questions.
