Article | 29.01.2021
Article | 29.01.2021

Introducing Unisure: flexible international life insurance solutions for everyone

Since 2010, Unisure has been providing quality insurance solutions to organisations and individuals all over the world. Now, in 2021, ASN is proud to be announcing the further development of its relationship with Unisure and the expansion of its insurance solution offering for its global clientele and broker network.

With regional offices in Africa, Asia, and Europe, Unisure is able to facilitate the life insurance needs of customers in over 100 countries. Unisure’s motto is "Treating Clients Fairly", which is both clear and evident in their approach to pricing risk, policy administration and customer service.

The Unisure life insurance products include:

  • Term Assurance
  • Decreasing Term Assurance
  • Global Protector
  • Life or Critical Illness Term Assurance

Each product is defined by its own benefits and conditions, with the capacity to facilitate a customer’s individual needs, depending on their situation.

Term & Decreasing Term Assurance

  • Guaranteed Premiums & Cover
  • Applicants aged 18 to 69
  • Term Lengths 5 to 30 years
  • Policy Expiry at age 75
  • Options for Single Life / Joint Life (First Death) / Joint Life (Second Death)

  • Sum Assured reduces each anniversary
  • Assumes 8% per annum loan interest
  • Assumes annual loan repayment

Global Protector

  • Guaranteed Cover
  • Age Rated Premiums
  • Lifetime Assurance
  • Applicants aged 18 to 64
  • Options for Single Life / Joint Life (First Death) / Joint Life (Second Death)

Life or Critical Illness Term Assurance 

  • Guaranteed Cover
  • Experience Rated Premiums
  • Critical Illness Benefit Expiry at age 65
  • Applicants aged 18 to 60
  • Single Life only

  • Pays out on First Event and terminates
  • Policy Benefit up to USD 400,000

For more detailed information on any of the above products, you can contact your ASN international insurance expert. Please see below for more general overview information about policies with Unisure:

General Policy Overview

  • Policies are available in USD, GBP and EUR
  • Monthly, Quarterly, Semi-Annual and Annual Premium Collection
  • Premium Collection by Credit Card, Debit Card, Bank Transfer or Direct Debit

Benefits & Riders Overview

  • Death by any cause up to USD 6.5 million
  • Terminal Illness Accelerator
  • Optional Rider Benefits

In terms of pricing risk, Unisure is dedicated to a fair and honest approach with all customers, taking into account numerous socio-economic factors.

Considering things such as higher education and income, which have been proven to support an increase in life expectancy, provides Unisure with the ability to offer significant premium discounts that reflect any reduction in risk.

Further, Unisure does not increase premiums due to low education or income. Depending on a combined score of education and income, there will either be no change to the premium or there will be a reduction in nationality loading and/or residence loading.

Group Benefit Solutions

  • Group Life
  • Accidental Death
  • Critical Illness
  • Long Term Disability (LTD)
  • Short Term Disability (STD)
  • Permanent & Total Disablement (PTD)
  • Other Benefits

The team at ASN is excited to share Unisure’s solutions with you and invites you to ask any questions that you may have regarding life insurance or any other insurance related products or services.

If you do not have an existing contact at ASN, you can contact the ASN team here.

For over 25 years, ASN has been providing international insurance solutions to thousands of people all over the world, including international health insurance, life insurance, travel insurance, disability insurance and income protection. The insurance specialists at ASN deliver the highest quality of concierge service in insurance consultation, policy administration and claims handling.


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