Life Insurance for Missionaries

Life insurance for missionaries can be challenging to find through traditional insurers. Missionaries on shorter trips may be able to purchase standard life insurance with short-term missionary trip insurance. However, those traveling outside the country may need to buy international life insurance. Read more about purchasing good missionary insurance below.

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent

UPDATED: Feb 11, 2021

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Quick Facts

  • Good missionary insurance can be difficult to find from traditional insurance companies. 
  • Missionaries on short-term trips may qualify for traditional life insurance and short-term mission trip insurance.
  • Missionaries on trips outside the country may consider purchasing international life insurance.

Life insurance for missionaries is almost more important than a policy for an average person since missionary work can be dangerous at times. No one wants to leave dependents without financial security.

Below, we’ll discuss the basics for buying life insurance for missionaries.

Before you begin reading, compare life insurance quotes from companies in your area by entering your ZIP code into our free quote comparison tool below.

Why is life insurance for missionaries important?

Missionary work can be dangerous depending on where you’ll be traveling and what you’ll be doing to further your cause. In some cases, you may be traveling to politically unstable locations or a place that already has a predominant religion. 

If your dependents, or even a church, that is relying on you financially, life insurance can help make sure that they will continue to be financially stable after you pass. 

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What kind of life insurance should missionaries buy?

Unfortunately, most traditional life insurance will deny missionaries, especially those who are intending to travel outside of the country for long periods of time.

For those traveling outside of the country, one of your best options is to purchase international or global term life insurance, or life insurance for US citizens living abroad.

These life insurance policies can offer regular terms (generally somewhere between 10 and 30 years) for those holding passports but living in other countries. Some companies may offer shorter terms for missionaries who only intend to be out of the country for a few years. 

For those doing short-term missionary trips, you may be able to purchase traditional life insurance plus short-term mission trip insurance, which will generally provide health coverage and other benefits.

Where can I buy life insurance for missionaries?

Where you decide to buy life insurance will depend largely on what type of missionary work you’re intending to do in the future. If you intend to leave the country, you may need to purchase from a company that offers international coverage.

One popular company to contact for missionary insurance is DMBA Missionary insurance. They offer multiple types of insurance, including international life insurance coverage. However, they may limit their coverage to health insurance.

If you need help finding affordable life insurance, enter your ZIP code into our free quote comparison tool.

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