Life Insurance for Missionaries

Life insurance for missionaries can be difficult to get due to the amount of travel involved in missionary life. There may be some options available to you, though. Here's how you can get a life insurance plan to keep your family protected.

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UPDATED: Jun 23, 2022

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Written By: Chris TepedinoReviewed By: Laura WalkerUPDATED: Jun 23, 2022Fact Checked

The Rundown

  • Life insurance rates for missionaries can change depending on where you travel and the length of your mission
  • You will want to consider an international life insurance policy, as your domestic policy is unlikely to cover you while you’re abroad
  • Life insurance for missionaries is often more expensive than the average policy due to a higher level of risk

Being a missionary can be a fulfilling experience. You get to travel and experience adventure, and you can take pride in doing good in the world. For many people, missionary work is the most fulfilling experience of their lives. 

However, there is also a fair level of risk involved when you travel to exotic locations. Do you need life insurance as a missionary? If you’re a missionary, you want to make sure your loved ones are taken care of if a tragedy occurs. This makes life insurance a good idea, but you may be wondering if missionaries can even get life insurance. 

The answer is yes, but you’ll need to get insurance that goes beyond the traditional life insurance policy. But what is missionary life insurance, and is it different from a regular domestic life insurance policy? Let’s look at the options you may have. 

What is life insurance for missionaries?

As a missionary, you travel a lot and often spend long stretches of time overseas. This creates a greater level of risk for an insurance company. This extra risk means traditional insurance providers may require a higher rate for coverage. This is why life insurance for ex-pats is often higher. Some insurance companies may not offer a policy at all.

If you are on a mission that takes you out of the country for an extended period — as mission work often does — a domestic life insurance policy may not even cover you if something were to happen to you while you are away. For this reason, it’s important to find the right insurance policy to cover you as a missionary. 

A standard life insurance policy simply won’t offer you and your loved ones the peace of mind you need. This doesn’t mean you shouldn’t also have domestic life insurance, but you should also consider adding additional coverage for your missionary work. 

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What type of life insurance policy covers missionaries?

If you’ll be traveling internationally for extended stretches of mission work, you’ll want to look for an international life insurance policy. This will ensure you’re covered if something were to happen to you while in another country. That way, your family will receive a payout from insurance if you happen to lose your life on your mission.

Because mission work is typically done through a church, there’s a possibility that your church or other organization you are affiliated with will provide missionary life insurance. If this isn’t the case, then you’ll have to find an insurance provider for yourself that will cover you even while outside of the country. 

To find an insurer that has policies specifically catered to missionaries, shop around for the best rates by getting insurance quotes online. This type of life insurance policy is likely to be more expensive than the average policy, so it’s especially important to find the best rate possible. 

You may also be able to find group life insurance plans for all the members of your mission. If the church or organization doesn’t provide a life insurance policy, it may be worth looking into a group plan. There are many types of group life insurance policies available. This may be something you can bring to the attention of your church or sponsoring organization.

Finding the Best Rates for Missionary Life Insurance

Because mission work is often dangerous, your rates will be very high through most traditional life insurance companies. Those rates are usually based on where you are traveling for your mission, as some areas are more dangerous than others. You’re also likely to see higher rates if you’re going to spend more than a year at a time overseas. In some instances, companies will refuse to even offer you a policy.

To get the best rate, you’ll want to look at smaller or niche insurance companies. Many companies offer life insurance policies specifically for missionaries, so be sure to do your research to find the best policy for your needs.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Written by Chris Tepedino
Insurance Feature Writer Chris Tepedino

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 Laura Walker

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