Life, Accident and Disability Insurance
Think life insurance is just a grim "worst-case scenario" safety net? Think again.
For expats living in Vietnam, Thailand, or across Asia, international life insurance isn’t just about what happens after you're gone—it’s a powerful, active financial tool that solves unique expat headaches that local corporate packages simply cannot touch.
Before you assume your employer has you covered or lock yourself into an expensive local policy, here is a quick reality check on what is actually at stake:
- The "Border-Hop" Trap: Did you know that most local policies become completely invalid—or trigger massive tax penalties—the moment you relocate to a new country or decide to repatriation?
- The Probate Freeze: If you rely on local insurance, your family could face months of legal limbo in local courts under complex host-country estate laws before seeing a single cent.
- The "Living" Benefit: Many expats are surprised to learn that high-quality international policies feature terminal illness cover, allowing you to access up to 100% of your payout early to fund medical care or relocation while you are still alive.
From covering the staggering, hidden logistics of international repatriation to safeguarding expensive international school fees, there are vital details most expats miss until it is too late.
Scroll down to read the full article, "Beyond the Safety Net: 6 Surprising Reasons Your Expat Journey Needs International Life Insurance," and discover how to take absolute, offshore control of your family's future.
Advising Expats Since 1994
InsuranceinAsia.com
Offshore Term Life Calculator (Vietnam • Thailand • Cambodia • ASEAN)
Current Age: 40 yrs
Estimated Offshore Term Rate
/ month
Local Bank: $580/mo Save ~$475/mo
✓ 100% Worldwide Portability
✓ Tax-Free Payout Outside Probate
✓ Terminal Illness Advance Inc.
✓ Repatriation Emergency Cash Inc.
A+ Rated Global Underwriters (William Russell, Zurich, Hansard) • No local broker markups
Life, Accident and disability insurance if the Expat families safety net
Most expat family moving to Vietnam feel the need to protect their family, purchasing life insurance or their investment with key person accident coverage.
Expat family breadwinners or business owners, all feel increased life risks: Life, Accident and disability insurance is frequent additional protection request.
As a couple or new founded family, when living in Vietnam expat have considered life and accidental insurance coverage. Like in most developing countries, we are impressed by hectic traffic, lower healthcare and insufficient safety standards. The whole country of 100Mio inhabitants has only a couple of small international standards hospitals. Daily traffic accidental death averages 35 casualties/ day. The lack of international safety standards applied in construction, factories and most buildings or public places add to the feeling of overall heightened risk.
Whether your wife is working or not, you have younger or older children, safety is just not the same standard as Singapore, London or any western capital.
Calculate the right amount of life, accident and disability insurance
High coverage limits satisfy Inbound/ Outbound travel insurance requirements of most countries, including 26 Schengen Europe Countries Covers medical expenses incurred during travel due to illness or accident, including follow-up treatment in Vietnam up guaranteed worldwide.
- Life cover for death or chronic illnesses
- Accidental additional indemnity
- TPD Total and Permanent Disability
- Income replacement for the family
