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!