International Life Insurance

Specialist support for global family protection.

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At Melbourne Capital Group, we plan for the worst and hope for the best.

Normal life insurance policies don’t take into account the unique circumstances that arise when you live overseas. International life insurance safeguards you and your family’s future in case of an unexpected life event, no matter where you are in the world. We know that life doesn’t always go according to plan, which is why proper preparation and extensive insurance coverage are vital.

Life Insurance Malaysia

Do I need International Life Insurance?

If you have a family or people that rely on you financially, international life insurance can provide financial security should the worst happen to you anywhere in the world. The payout from an international life insurance policy can help to pay off a mortgage or cover the costs of university for your children. Whatever the reason, international life insurance provides you with the peace of mind that your family is taken care of, no matter what and no matter where.

International Life
Insurance Benefits

Insurance is a highly personal experience.

Individual and family wellbeing are important aspects of our lives which require sensitivity and expertise. Our specialists can help you find policies which suit the needs of you and your family.

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Early Terminal
Illness Coverage

If you are diagnosed with a terminal illness, early terminal illness coverage offers you the choice to receive your payout before you pass away. This gives you the freedom to arrange your affairs and spend time and special moments with your loved ones.

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Peace of Mind

When you purchase international life insurance, you are securing peace of mind. When you work with Melbourne Capital Group, you can rest assured that we will arrange a well-structured insurance policy that ensures your claim will be handled with ease and issued in a strong currency such as U.S. Dollars, Euro or Pound Sterling.

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Global Coverage

Normal life insurance does not provide global coverage, which can be an issue for those who spend a lot of time overseas. That’s why we specialise in international life insurance. Ensure that your insurance policy is claimable, no matter where you choose to live or work in the world.


International life insurance is the ultimate protection for your family, offering financial stability even when you’re no longer around to provide. Correct and broad insurance coverage secures your family’s financial future, no matter what.

Should I take out Term Life Insurance
or Whole Life Insurance?

When you begin researching international life insurance and life insurance planning, you will see that there are two main types of cover.

Term Life Insurance

Term life insurance covers you for an agreed period of time (for example, 10 years)  referred to as the ‘term’. Term life insurance is attractive as you are not committed to the policy forever.

Let’s say you pay off your mortgage and your children become financially stable within the ten years of your term life insurance policy and you haven’t needed to claim. In this scenario, you would have the freedom to reduce your cover amount for the next ten years to reflect this.

Whole Life Insurance

Whole life insurance is called “whole life” because it isn’t limited to a term.  Whole life insurance guarantees a lump sum payout when you pass away, no matter when that happens.

Whether or not you decide to take out term life insurance or whole life insurance will depend on your personal circumstances and requirements. Whilst term life insurance can work out to be more economical, individuals who are particularly worried about their health and fear they may be ineligible for coverage in later life may choose the peace of mind of whole life insurance.

What is the difference between International Life Insurance and Health Insurance?

Plan for your and your family’s future by knowing the differences between international life insurance and health insurance.
International Life Insurance Malaysia

International Life Insurance

Long-term comprehensive cover that offers complete coverage throughout your life and anywhere in the world, where in the event of the insured passing away, the sum insured goes to their chosen beneficiary.

Health Insurance Malaysia

Health Insurance

Health insurance is cover that caters to your medical, surgical, or hospital needs when required. It is designed to meet some or all of any costs associated with private medical treatment. It does not come with a survival or death benefit.

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Case Study


Age: 40

Regional Manager for an international oil and gas company.

Ensure financial security and well-being of his family.

Ben originally moved from the U.K. to Malaysia in 2019 with his wife and two children, aged 4 and 8.He is the primary breadwinner of his family and the nature of his job requires him to move around the world quite frequently. One of Ben's main worries is the impact that his potential untimely death would have on his family’s way of life. He wants to make sure that they are financially secure and able to maintain their standard of living even if he is no longer able to provide for them.

Frequently Asked Questions:

Family Travel Internationally For Ski Holiday - Health Insurance
  • Will the policy cover my children’s education fees?
  • Will the policy cover my mortgages in Malaysia and in the U.K.?
  • We move around a lot, is there a health insurance policy that covers us internationally?
  • How can I make sure I’m getting the best value out of my policy?
Our Approach:
We worked closely with Ben to understand his concerns and goals. After conducting a thorough assessment of his financial situation and lifestyle, we request quotes from a range of leading insurance providers to build a policy which meets his distinct needs.

The Results:
We advised Ben to get International Life and Health Insurance policies that offered portability, coverage anywhere, and flexible coverage options.

Ben followed our recommendation and bought a comprehensive International Life Insurance policy for his family's financial security. The policy would provide a lump sum payment that covers university fees, mortgage liability, and living expenses for 7 years, in the event of his untimely death.

He also got an International Health Insurance policy for medical expenses and access to quality healthcare. Both policies offered portability, coverage anywhere, and flexible currency options.

Ben would have faced a daunting and time-consuming task had he attempted to navigate the complexities of insurance on his own. Our guidance simplified the process, and Ben made informed decisions that protect his family's financial future.

Frequently Asked Questions

How does international life insurance work?
Who is international life insurance for?
Which international life insurance providers do you work with?
Do I need a UK address for international life insurance?
Are there any restrictions involved with international life insurance?
How does the payout work with international life insurance?
How much does international life insurance cost?

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