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We make it easy to get friendly, personal and independent help with health care reform questions with fast and free online support through OnlineNavigator.orgTM as well as Limited telephone support at (800) 609-0683. OnlineNavigator is an independent adviser service not acting as agent for any qualified health insurance marketplace and is not affiliated with any federal or state program.

Member Services:
HCC Medical Insurance Services
107 S. Pennsylvania Street
Suite 402
Indianapolis, IN 46204

(800) 605-2282
low cost health insurance


Up to $2 million coverage
Term of coverage from 1 year to 10 years
Non-medical underwriting at lower coverage amounts
Optional terminal illness coverage

A unique ten year term life insurance available to individuals residing outside of the US. This life insurance plan is useful for individuals relocating abroad who require family, corporate or bank protections. Basic Life, Terminal Illness and Double Indemnity options are available when regular US term life insurance is not available due to international travel.
low cost health insurance
Who is eligible?
Applicants must be at least 18 years old but not yet 65 and be residing outside of their home country of citizenship. Either a social security number (SSN) or a tax identification number (TIN) is required.
low cost health insurance
About the Insurance Company
International Term Life Insurance is
underwritten by Syndicate 308 at Lloyd’s, London. Lloyd’s is the largest and oldest insurance market in the world and is rated ‘A’ (Excellent) by A.M. Best Company and 'A+' (Strong) by Standard & Poor’s. and serviced by HCC Insurance Services Inc. 
International term life insurance

Product Review

 If you wish to submit comments to be incorporated into the review, please e-mail us. We appreciate your feedback.


This is one of the only life insurance plans available with online enrollment and no medical underwriting.


Only valid for international travelers; not suitable for long term U.S. coverage.

Forms in PDF format for download

All available forms can be found by following the quote and enrollment link above.


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This web site is independently owned and managed by Tony Novak operating under the trademarks "Freedom Benefits", "OnlineAdviser" and "OnlineNavigator". Opinions expressed are the sole responsibility of the author and do not represent the opinion of any other person, company or entity mentioned. Tony Novak is not an agent, broker, producer or navigator for any federal or state health insurance exchange but may provide uncompensated advice, reviews and referrals to these official resources. Novak is compensated as an accountant, adviser, affiliate consultant, marketer, reviewer, endorser, producer, lead generator or referrer to some of the commercial companies listed on this site. Information is from sources believed to be reliable but cannot be guaranteed.