Anybody have experience with some of the "expat" life insurance companies?

[jm21]

I am looking to dump the small, albeit stupid, whole life policy I picked up back in the homeland (before we became expats).

Now I am searching for a simple term policy to cover me until we are FI. The problem is, my existing policy provider is making it absolutely dreadful to change policies, mainly when it comes to the initial medical exam and a thousand other details about my intended plans over the next few years.

I see a lot of expat life insurance companies where I can supposedly get a term policy without any medical exam. It's very tempting to sign the papers with one of these companies and ditch my old policy, but I have hesitation just because it seems to good (easy) to be true. I don't want to leave some sort of a nightmare for my family should anything happen to me, so I want to make sure whoever insures me is credible.

Has anyone ever dealt with any of these expat life insurance companies? Or does anyone else out there have/had coverage with them in the past? I'd really like to get a second opinion!

[gocurrycracker]

I do not (we don't have life insurance of any kind)

Try googling for reviews of the specific companies you are reviewing

Also, do you need to be a US resident to get a life insurance policy from a US company?

[jm21]

Google reviews are pretty sparse, which makes me a little unsure of the whole thing.

I'm running into quite a bit of difficulty getting a Canadian policy. My existing WL provider, or any other providers I've spoken to, cannot sign me to a new policy unless I'm residing in the province they're registered in and also physically present in the province to sign the papers.

i think my only options right now are to (1) keep the shitty WL policy or (2) take one of these Expat company policies for a year or two and then replace it when we return to Canada.

[Two Teacher Trek]

We have Clements

https://www.clements.com/

Not sure what to say about it (since luckily we have never had to use it).  You can look at the benefits and see.  As we are not FI yet (both international teachers) we felt more comfortable getting insurance rather than not. (especially with a child)