Diaspora Insurance
Diaspora Insurance is a specialised life insurance policy offered by Mutual Life Global to foreign nationals and global citizens living and working abroad.
Diaspora Insurance provides a guaranteed, tax-free lump sum payout to your beneficiaries in the event of your passing
20+
Years of Financial Excellence
2M+
LIVES COVERED
Guaranteed Global Protection for Foreign Nationals & Families Living Abroad With Diaspora Insurance
Protect What Matters. Secure Their Future — Anywhere in the World.
Life is full of possibilities — and uncertainties. For foreign nationals, expats, and members of the diaspora community living abroad, securing your family’s future is essential.
Mutual Life Global’s Diaspora Life Cover is designed to meet the unique needs of globally mobile individuals and families, offering reliable financial protection, no matter where life takes you.
As a trusted international insurance provider with core markets across Europe, Asia, the Middle East, and North America, we understand the complexities and realities of life abroad.
We deliver simple, borderless life insurance solutions designed to give peace of mind and financial security to global citizens everywhere.
Our Purpose, Ambition & Your Security
We exist to make life insurance accessible, simple, and borderless for foreign nationals and global citizens living abroad. We strive to offer reliable, flexible protection that adapts to your life, wherever it takes you.
Mutual Life Global is internationally trusted and financially secure.
Our claims processes are fast, transparent, and designed to support your family when they need it most.
Diaspora Life Cover is a specialised insurance solution for foreign nationals and global citizens living abroad.
It provides a guaranteed, tax-free lump sum payout to your beneficiaries in the event of your passing, ensuring your loved ones are financially secure — regardless of where they live.
You select the cover amount and policy term that suits your needs. You pay a competitive monthly premium.
If you pass away during the policy term, we pay a lump sum to your nominated beneficiaries, anywhere in the world.
Diaspora Life Cover protects your loved ones from financial hardship in your absence. It helps cover living expenses, outstanding debts, education costs, and even funeral arrangements.
It offers stability, security, and the reassurance that no matter where life takes you, your family's future is protected.
Who We Cover & Who Our Clients Are.
We proudly cover foreign nationals, expatriates, and members of the global diaspora community living abroad.
Our clients are individuals who live, work, or study outside their country of origin and want reliable life insurance that follows them wherever they go.
Frequently Asked Questions (FAQs)
Foreign nationals, expatriates, and members of the diaspora community aged 18 to 60 living abroad.
Yes, subject to underwriting, you can increase or decrease your cover based on your changing needs.
The waiting period is 6 months.
Yes. We ensure seamless international payouts to your nominated beneficiaries.
No. You can apply from anywhere as long as you’re living abroad.(Ts and Cs Apply)
Absolutely. You can enhance your policy with dedicated funeral protection.
Your cover remains active as long as you continue paying premiums, regardless of your location.
Yes, including fraud, suicide within the first 24 months, and specific high-risk activities.
Yes. We facilitate global payouts to beneficiaries anywhere in the world.
Depending on your health and cover amount, a medical assessment may be required.
We offer dedicated, multilingual claims support to ensure quick, efficient payouts worldwide.
Your beneficiaries can initiate the claims process via our website, mobile app, or 24/7 claims hotline.
You will need valid identification valid passport/national ID card, and proof of residence abroad, additional documents maybe requested.
What We Cover And Your Policy Benefits.
What Is Covered
- Death due to natural causes.
- Death due to accidents
- Terminal illness (where applicable)
- Worldwide coverage, regardless of your country of residence or nationality.
- Payouts for beneficiaries globally.
Policy Benefits
- Guaranteed tax-free lump sum payout upon death
- Global coverage — protection wherever you live or work.
- Flexible cover amounts to suit your needs.
- Affordable premiums with the option to increase cover.
- Multilingual, global claims support
- Beneficiaries can be located in different countries.
- Legacy protection for your family and dependents.
Affordable Comprehensive Cover For All Nationalities
We offer three distinct life cover plans, thoughtfully designed to meet the evolving needs of individuals at different stages of life.
Explorer Plan
This plan is designed for young adults between the ages of 18 to 29,embarking on life’s journey. It offers affordable, flexible life cover to provide peace of mind while you focus on building your future.
Achiever Plan
The Achiever Plan provides comprehensive life cover for individuals aged between 30 and 39. It’s built to protect your growing responsibilities and ambitions.
Nurturer Plan
For individuals aged 40 to 50, tailored for those in their prime, this plan offers robust life cover for individuals between the ages of 40 and 50.
Mutual Life 360 — Your World. One Powerful App.
From filing claims and managing your policies, to applying for credit, increasing, freezing or decreasing your debit and credit card limits, to instantly sending money abroad.
Mutual Life 360, simplifies and streamlines your entire finances with Ai powered financial intelligence.
