International Group Life Insurance

Protect your team - and your business - with international group life insurance
International group life insurance is designed to provide for your expatriate and local employees' dependents in the event of their death, with the international insurance cover providing a lump sum and/or income to any dependents on death. More importantly it provides the employee with peace of mind that, should the worst happen, their close family will not be left to struggle with financial difficulties.
The benefit of international group life insurance
The benefit of international group life insurance is one we all hope will never be needed, but having it in place demonstrates care for the welfare of your expat and local employees and their families.
No matter what size or type your organisation is, you can have a flexibly designed employee benefit program. You can access advice both online and offline to ensure you get precisely what you want. Other expatriate benefits available include our international disability insurance. Let us know if you've any questions about any of our international insurance services.
You'll be tapping into Bellwood Prestbury International experience to ensure that the design and implementation of a complete range of international and local employee benefits for your overseas expatriate workforce, including any international group life insurance provision, is on target.
In less developed countries more and more expat employers are looking beyond local insurance companies, as the market is often in its infancy with insufficient capacity to underwrite the amounts involved. You can choose to use us to cover local companies (subject to local regulations) if they require the security and quality offered by an international insurance company.
What are the advantages of our international group life insurance policy?
Good expat and local employment benefits can make the difference between keeping your key staff and losing them to a competitor, but there are many advantages both for you as an employer and for the staff that receive them.
International group life insurance for employers:
You can recruit the best expatriate and local candidates - and keep them.
You will provide security and transfer the risk without putting an unacceptable strain on company resources.
You can usually claim the costs as a business expense.
An international group life insurance policy can be put in place quickly with the minimum of paperwork and with little time or cost involved in administration.
International group life insurance for the employee:
The biggest benefit for most employees is peace of mind. To know that their financial security and that of their dependants has been provided for is priceless.
Should they have to claim, any lump sum payable is normally free from tax.
What cover does international group life insurance provide?
You are free to select the level of international insurance benefit for your employees, such as a fixed sum or a multiple of salary.
Your final decision may be driven by cost, but other factors will inevitably have an influence:
your employees expectations,
the employment philosophy of your organisation,
your company's desire to provide a realistic benefit,
the group life insurance cover provided by your competitors.

Personal Accident Insurance

Personal accident insurance to cover death, disablementand disability
If your personnel are visiting war torn countries the facility to secure high risk personal accident insurance is top priority. You can be confident that personal accident insurance cover can be provided for any region/country in the world by using our international connections and extensive personal accident insurance knowledge. How personal accident insurance works
Our personal accident insurance cover is extremely comprehensive as acts of war and terrorism are included, and is widely available for international corporations, private contractors, USAID and humanitarian organisations. Because personal accident insurance does not cover natural deaths, it can be set up extremely quickly. Your employees won't need to respond to any health questionnaires or undergo a medical examination. This valuable insurance protects your staff member and their family should an accident happen while the insured is working or visiting a high risk region. You can choose to have your personal accident insurance policy written on a group or individual basis and you can include flexible coverage periods from a day to a year. There are group discounts where several people are involved.
Personal accident insurance cover options include:
Accidental death only - death of the insured resulting from an accident.
Accidental death and dismemberment - accidental injury to the insured resulting in death, loss of sight or loss of limb(s). Permanent total disablement from an accident - disablement which prevents the insured from obtaining any gainful employment after 12 months.
Temporary disablement from an accident - accidental injury to the insured which temporarily prevents the insured from working. Medical expenses/hospitalisation resulting from an accident - accidents happen, and the last thing that you and the families of your staff need is to worry about the costs of medical care in a foreign location. This policy provides for necessary hospitalisation and recovery expenses incurred by the insured person as a result of an accident.
Evacuation and repatriation - if a member of your staff needs to be moved to a medical facility in another country (or brought home) the policy covers reasonable traveling expenses incurred by the insured.

Special war risk insurance

Working in high risk regions, such as Iraq and Afghanistan, means having the right war risk insurance has never been more important!
Working in war zones and post conflict areas of the World there's always a higher risk to your life. It may be something that everyone would prefer not to think about, but as a pragmatic international employer you will want to be sure if that risk becomes an actuality, your international and expatriate employees and their families are covered by a special war risk insurance policy. Our high risk war zone insurance services
With a vast experience in this area, you can rely on our expatriate knowledge and international expertise to advise you on the best international special risk insurance cover for your particular situation. Bellwood Prestbury International Insurance Services have been heavily involved in providing 'niche' & high risk international insurance solutions for those expats involved in the rebuilding of Iraq and Afghanistan, among other places. This has added to our expertise in providing international expatriate special risk insurance.
Personal Accident Insurance
Defense Base Act (DBA) Insurance
Specialist Cargo Insurance
Kidnap & Ransom Insurance
We've provided war and post conflict insurance to hundreds, if not thousands of people working in disaster, conflict, war zone and post conflict areas like: Afghanistan, Chechnya, Congo, Iraq, Israel, Haiti, Ivory Coast, Lebanon, Nepal, Somalia and Sri Lanka, to name just a few.

Personal Insurance

International Expatriate Insurance

Is your international expat lifestyle secure while you're living and working abroad? Do you have the right global international expatriate insurance?
If you're living or working abroad as an expat outside your home country, even if it's only for part of the year, you need to protect yourself and your family with international expatriate insurance . An experienced international expat insurance adviser will give you an international expatriate insurance plan that gives the security you need while you're working abroad, and can cover you worldwide.
As an expatriate of any nationality, living or working abroad in another country always involves a wide ranging series of challenges. That can be anything from inadequate local medical care to an unstable political climate.
Our global international expatriate insurance services for worldwide cover
With more than thirty years experience in the global international expatriate insurance, we specialise in advising expatriate people working abroad just like you who find themselves in expat situations. As more and more people choose to live and work abroad as an expatriate away from their home country, our experience in knowing the expat's international insurance needs abroad has grown to the point that we count ourselves among the top international expatriate insurance brokers in the World.We have a range of expat plans that offer worldwide cover while you're living and working abroad:
International Expat Life Insurance
International Expat Whole of Life Insurance
International Expat Medical Insurance
International Expatriate Mortgage Protection Insurance
International Expat Income Protection Insurance
Kidnap and Ransom insurance
International Pension Plans
International Savings Plans
Expatriate Mortgages

Corporate Insurance

Exceptional corporate insurance benefits for your staff - outstanding corporate results for your business
Knowing that the future of your business depends on the professionalism, calibre and commitment of its workforce, you will want to fully protect your local and international staff with high quality corporate insurance provision. To deliver a first-class service to your customers you need to attract and retain the most qualified and experienced people, either in their home country or as an expatriate.
Get the right staff with the right corporate insurance
There is strong competition for well qualified and high performing staff - even if you find the right people there is always the risk of them being 'poached' by your competitors. This means it's critical the benefits you offer are comprehensive. Your concern for the welfare of the employee, and that of their families can deliver these benefits by combining comprehensive corporate retirement funding with personal and family protection, in the form of an extensive employee benefits package within your company.
When an employee is working as an expatriate in a foreign country, or when you're employing a local national, it's really important they feel secure. You can ask us to design, implement and monitor your international corporate insurance package.
As the corporate business world becomes increasingly global, you need exceptional corporate solutions to complex and fast moving business demands to succeed.
Our corporate insurance range
We have comprehensive employee benefits solutions to all your corporate insurance needs. Whether you're a multinational company employing international staff and need expat plans or plans for local nationals, we can help you:
International Group Medical Insurance
International Group Life Insurance
Disability Insurance
Retirement Benefits
Business Protection Insurance
Key Person Insurance
Shareholder Protection Insurance
International Business Insurance
Special Risk Insurance
Personal Accident Insurance
Defense Base Act (DBA) Insurance
Specialist Cargo Insurance
Kidnap and Ransom Insurance
Recruitment Insurance

International Life Insurance

International life insurance services for the overseas expat. International employee benefits for multinational companies and expatriate employers.

International life insurance, expatriate life insurance, expat disability insurance and international medical insurance for the expat

An international expatriate life insurance policy can be invaluable in a variety of overseas expatriate situations. As an international expat overseas you may feel as fit as a fiddle, but it isn't only your health that can threaten your living, life and your family's future abroad. International expat life insurance is assurance when accidents happen, and if you're an expat living and working overseas in high-risk international locations, there are many other possible instances when our international expatriate life insurance services can give priceless cover.
Our international expat insurance plans
Find out more about Bellwood Prestbury International Insurance Services and our comprehensive international expatriate life, disability and medical insurance cover, including international medical insurance, kidnap and ransom insurance, international pension plans, expatriate life insurance, international life insurance, international whole of life insurance, international mortgage protection insurance, international income protection insurance, international savings plans and expatriate mortgages and our range of international expatriate insurance packages when you're abroad.International life, disability and medical insurance - find out how to protect you and your family overseas with international life insurance and expat life insurance. Even when the unexpected things in life happen.

Corporate international life insurance, expatriate life insurance, disability insurance and international group medical insurance

Staff are your greatest asset - attracting the right people and keeping them is an ongoing challenge for most organisations, whether you're a multinational corporate employer with staff working overseas in many countries or in just one country. Some employers find people are knocking on their doors to join - why? The answer is simple - they look after their expat and local staff well with a comprehensive corporate international employee benefits package that gives cover beyond the average, proving they genuinely care for their international people living and working overseas. Our international group employee benefits plans
An international group employee benefits package will protect your company and its most important assets, and ensure your employees appreciate the value you place on their wellbeing. It can cover international group medical insurance, expatriate life insurance, international group life insurance, international pension plans, international corporate business protection insurance, war risk and war zone insurance and international recruitment insurance. Find out more about our international employee benefits packages.For example, a corporate insurance benefits package can cover: international life insurance, expat life insurance, international income protection insurance, international critical illness insurance, international medical insurance and international pension plans.

Insurance Programs For Individuals and Families

HTH offers programs ranging from annual plans for global living to short-term travel medical insurance to trip cancellation coverage. HTH offers flexible plan designs so that individuals and families get the coverage they need with the freedom to choose qualified doctors, hospitals and health services anywhere in the world. HTH insurance programs fully comply with state insurance regulations and afford purchasers full consumer protections.
For details and to purchase, visit
http://www.HTHTravelInsurance.com
Product Brochures
Global Citizen
HTH's premier international health insurance plan, tailored for long-term global living with worldwide, annually renewable major medical coverage in and out of the U.S.
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TravelGap Multi-trip
The optimal annual plan for frequent short-term leisure or business travel with affordable worldwide coverage of routine medical conditions and emergency medical evacuation.
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TravelGap Single Trip
Flexible, high-value benefits and services for leisure or business trips from one week to six months.
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Trip Protector
All-inclusive international travel insurance that protects against trip cancellation and interruption and includes emergency medical evacuation.
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