Waves Life by Yachting Financial Solutions

You aren’t immortal.
But your ability to look after your family can be.

We know, we know: you don’t want to think about it. But the unavoidable reality is, death comes to us all—we just don’t know when. But you can give you and your family financial peace of mind should something happen to you.

What is life assurance?

Life assurance provides financial protection to your family in the event of your death. Designed specifically with yacht crew in mind, Waves Life term life assurance offers worldwide protection and can cover periods of 1 to 30 years. It is a comprehensive expat life assurance policy, whether you’re abroad temporarily, or setting up a new life overseas after yachting.

Life assurance fit for superyacht crew

Key Benefits:

  • Comprehensive ‘any cause’ cover
  • Cover for 1 to 30 years
  • Guaranteed premiums for entire contract term
  • Monthly premiums from £/$/€10
  • Designed with superyacht crew in mind

We’ve teamed up with Expatriate Group, specialists in insurance for expatriates, to bring you life term assurance that genuinely meets the needs and lifestyle of crew on board superyachts today.

Providing financial security for your family

A death in the family is a terrible event with which to have to come to terms. But what if that death occurs to one of the main income providers? That means you. The loss can have an even more significant effect on those left behind.

Level term life assurance protects your family from the financial loss that they would suffer in the event of your death. The policy pays a lump sum, which is determined by you at the outset, in the event of your death occurring during the term of the cover.

Level term life assurance provides cover for a fixed annual premium for the duration of the cover. You can select cover for a term of 1 to 30 years.

The sum insured remains fixed for the period of cover, so the full amount of the sum insured would be payable regardless of when a death occurred during the cover—on the first day, or on the very last day of your cover.

Get a personalised, competitive quote today.

You’ll need to specify a term (the time period for Life assurance cover) in step 2 to get a quote. We suggest 20 years.

You’ll need to insert a country of residence. If you are at sea, it’s where the boat is flagged (i.e. Cayman Islands). If you aren’t at sea, it’s wherever you are based.

Please note: You will be transferred to the Expatriate Group site for a quotation. They will also send us a copy, so we can help with any queries.

get life cover

Download the PDFs

Please note that while we endeavour to make sure policy wording and terms of business documents are up to date on this website, you should check the current documents on the Expatriate website and in their communications to you for the exact details of your policy.

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Policy Wording

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Terms of Business

Frequently Asked Questions

Expatriate Group have specifically developed an international expat term life assurance policy to meet the needs of expats and international travellers. Many domestic policies that are taken out become invalid once the insured travels outside their home country for more than a period of time or when they permanently move overseas, potentially leaving a property and family completely unprotected in the event of the death of the insured.

Not many. To see if you qualify for cover, please click on one of the ‘Get life cover’ above.

There are not many providers of international assurance benefits, as few companies provide the true international scope and presence to do so. Expatriate Group works with speciality international underwriters to ensure that their customers have access to appropriate underwriting capacity, tailored for yacht crew and international travellers.

Very few. We can provide level term life assurance to residents of: Alaska, Algeria, Andaman and Nicobar islands, Andorra, Angola, Argentina, Armenia, Australia, Austria, Azerbaijan, Azores, Bahamas, Bahrain, Bangladesh, Barbados, Belgium, Bermuda, Bhutan, Bolivia, Bosnia, Botswana, Brazil, Brunei, Bulgaria, Cameroon, Canada, Canary Islands, Cape Verde, Cayman Islands, Chile, China, Comoros, Congo, Corsica, Costa Rica, Crete, Croatia, Cuba, Cyprus, Czech Republic, Denmark, Egypt, Estonia, Ethiopia, Falkland Islands, Finland, France, French Guiana, Gabon, Gambia, Georgia, Germany, Ghana, Gibraltar, Greece, Greenland, Hong Kong, Hungary, Iceland, India, Indonesia, Ireland, Israel, Italy, Jamaica, Japan, Jordan, Kazakhstan, Kenya, Kosovo, Kuwait, Kyrgyzstan, Latvia, Lesotho, Liechtenstein, Lithuania, Luxembourg, Macedonia, Madagascar, Madeira, Malawi, Malaysia, Maldives, Mali, Malta, Mauritania, Mauritius, Mexico, Monaco, Mongolia, Montenegro, Morocco, Mozambique, Namibia, Nepal, Netherlands, New Zealand, Nigeria, Northern Cyprus, Norway, Oman, Panama, Paraguay, Peru, Philippines, Poland, Portugal, Qatar, Reunion, Romania, Russian Federation, Sao Tome and Principe, Saudi Arabia, Senegal, Serbia, Seychelles, Sicily, Singapore, Slovakia, Slovenia, South Africa, South Korea, Spain, Sri Lanka, St Helena, Swaziland, Sweden, Switzerland, Taiwan, Tajikistan, Tanzania, Thailand, Togo, Tunisia, Turkey, Turkmenistan, Uganda, Ukraine, United Arab Emirates, United Kingdom, United States, Uruguay, Uzbekistan, Vanuatu, Venezuela, Vietnam, Western Sahara, Zambia, Zimbabwe.