Life Insurance for Missionaries

Life insurance for missionaries can be difficult to find because of the risk associated with mission work. In order to save on your rates, look for small life insurance companies that specialize in missionary insurance. Your domestic life insurance will likely not take effect if you pass while overseas, so look into international life insurance policies as well.

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Natasha McLachlan is a writer who currently lives in Southern California. She is an alumna of California College of the Arts, where she obtained her B.A. in Writing and Literature. Her current work revolves around insurance guides and informational articles. She truly enjoys helping others learn more about everyday, practical matters through her work.

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: May 2, 2021

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The Rundown

  • Life insurance for missionaries is often more expensive than the average policy
  • Your life insurance rates will change depending on the location and duration of your mission trip
  • Look for an international life insurance policy to ensure you’re covered while overseas

Being a missionary is a fulfilling vocation. But missionary work can often take people to remote and potentially dangerous locations. If you’re planning on going away for several years on a mission trip, you’re probably wondering about life insurance for missionaries.

Should the worst happen, you’ll want to know that your family is financially protected. That’s why life insurance for missionaries is so important — it gives you the peace of mind to carry on with your mission work without fear.

Keep reading to learn what missionary insurance is, what coverage is available, and how to save on your policy. But before you do, enter your ZIP code into our free comparison tool above to find affordable life insurance for missionaries near you.

What is missionary life insurance?

Simply put, missionary life insurance is a life insurance policy specifically tailored to the job of being a missionary.

Like regular life insurance, life insurance for missionaries pays out a lump sum death benefit to your beneficiary if you pass away to cover any loss of income that your family relied upon.

Since missionary work involves overseas travel sometimes to remote and dangerous places, you may find that some traditional life insurance companies charge you high rates or deny you coverage altogether.

Also, since you’ll be working overseas often for years at a time, a domestic life insurance policy may not be in effect if you’re outside of your home country at the time of your passing.

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What coverage is available for missionaries?

In some cases, the church or organization that sponsors your missionary work will provide you with a basic life insurance policy.

But if you have to find life insurance on your own, you’ll need to look for an international life insurance policy so that you’ll be covered if your death occurs in another country.

Also, look for providers that have specific policies geared towards missionaries. These policies will often be more affordable, too.

How can I save on life insurance for missionaries?

Missionary work can be dangerous. Traveling to foreign countries for years at a time can be taxing on your physical and mental health. And there is always the chance of encountering hostile people who will not take kindly to your message.

In fact, in 2020, the Vatican reported that 20 missionaries were killed worldwide. While this is but a tiny fraction of the total number of people who conducted missionary work that year, your insurance company will see missionary work as risky.

Because of the risks that missionary work poses, traditional life insurance companies will charge you higher rates — that is, if they decide to cover you at all.

The best way to save is to go with a small life insurance company with policies designed specifically for missionary work. Also, staying in good health will help lower your rates as well.

Additionally, the location of your mission will affect your rates. If you do mission work in Europe, you may see lower rates compared to places like Afghanistan or Sudan.

Finally, the best way to save on life insurance for missionaries is to compare free insurance quotes online so you can find the policy that’s right for you.

What are you waiting for? Enter your ZIP code into our free comparison tool below to find affordable life insurance for missionaries today.

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