Best Life Insurance for Missionaries in 2025 (Top 10 Companies Ranked)
Compare New York Life, USAA, and Prudential for the best life insurance for missionaries, with rates starting at $100 per month. New York Life offers global mission protection and USAA supports military missionaries. Prudential provides flexible international life insurance plans for missionaries.

Free Life Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Laura D. Adams
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Insurance & Finance Analyst
UPDATED: Apr 23, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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.
UPDATED: Apr 23, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page

Company Facts
Whole Policy
A.M. Best Rating
Complaint Level
Pros & Cons


Company Facts
Whole Policy
A.M. Best Rating
Complaint Level
Pros & Cons


Company Facts
Whole Policy
A.M. Best Rating
Complaint Level
Pros & Cons

New York Life, USAA, and Prudential are the top providers for the best life insurance for missionaries, excelling in global coverage, risk tolerance, and international underwriting flexibility.
New York Life leads with policies that remain active during long-term missions in high-risk regions. USAA offers rare coverage extensions for active-duty members engaged in faith-based missions abroad.
Our Top 10 Company Picks: Best Life Insurance for Missionaries
Company | Rank | Monthly Rates | Multi-Policy Discount | Best For | Jump to Pros/Cons |
---|---|---|---|---|---|
#1 | $55 | 15% | Global Coverage | New York Life | |
#2 | $50 | 10% | Military Savings | USAA | |
#3 | $58 | 20% | Customizable Policies | Prudential | |
#4 | $53 | 20% | Community Focus | State Farm | |
#5 | $57 | 15% | Financial Strength | Northwestern Mutual | |
#6 | $56 | 25% | Tailored Coverage | Allstate | |
#7 | $59 | 15% | Long-Term Care | MassMutual | |
#8 | $54 | 25% | Multi-Policy Discounts | Nationwide | |
#9 | $52 | 15% | Customized Coverage | Farmers | |
#10 | $60 | 25% | Technology Integration | Liberty Mutual |
Prudential stands out for insuring applicants traveling to medically underserved or politically unstable countries, making it ideal for humanitarian outreach. Understand how life insurance works, from premiums to payouts.
- New York Life provides competitive rates with discounts of up to 30%
- Missionaries require global coverage that includes political instability
- Some insurers offer 98% claim payout rates for global coverage
As missionaries navigate their missions, they can trust these companies to safeguard their futures. You can get free quotes for life insurance and secure financial protection for your loved ones by entering your ZIP code into our comparison tool.
Compare The Best Insurance Quotes In The Country
Compare quotes from the top insurance companies and save!
Secured with SHA-256 Encryption
Frequently Asked Questions
What should you look for in missionary organisation insurance?
You should look for a missionary organization insurance that covers international travel, offers group policy discounts, and includes protection for high-risk areas. Discover more on “How does the insurance company determine my premium?”
Why is mission life insurance essential for international outreach?
Mission life insurance protects your loved ones while you serve abroad, covering high-risk regions with monthly premiums starting at around $20.
Are there companies that support missionaries with flexible life insurance?
Yes, companies that support missionaries, such as New York Life and USAA, offer plans with international coverage and monthly rates ranging from $25 to $100. Find the best life insurance for missionaries by entering your ZIP code into our free quote comparison tool.
How do businesses that support missionaries provide life insurance options?
Businesses that support missionaries often offer special underwriting, faith-based discounts, and extended coverage abroad through tailored life insurance plans.
What makes top-rated life insurance a good fit for missionaries?
Top-rated life insurance gives you dependable coverage overseas, low complaint levels, and policies starting at just $20 per month for term life. Learn how borrowing against life insurance can impact your policy value.
Can missionaries get life insurance?
Yes, you can get life insurance as a missionary, even if you travel internationally. Many providers offer plans starting at $20 per month.
What is the most recommended life insurance for missionaries?
The most recommended life insurance for missionaries is one with international coverage and flexible terms, typically whole or term life insurance plans that start at around $25 per month.
What does God say about life insurance?
While the Bible doesn’t directly mention life insurance, it encourages stewardship and caring for your family’s future, which aligns with planning through life insurance.
Who is the best beneficiary for life insurance for missionaries?
As a missionary, your best beneficiary is typically someone who is financially dependent on you, usually a spouse, child, or a trusted family member. See how an early cash-out on whole life insurance may impact your long-term coverage.
Are missionaries tax-exempt?
You may qualify for tax-exempt status if you’re affiliated with a recognized religious organization and meet IRS criteria for housing or foreign income exclusions.
Who cannot be a beneficiary of life insurance for missionaries?
You can’t list minors, pets, or non-existent entities as beneficiaries for missionaries on life insurance policies.
How many years is best for life insurance for missionaries?
Choosing 20 to 30 years of coverage works best if you expect long-term missions or want to lock in low monthly rates during active service.
Which life insurance for missionaries has the best claim?
Look for providers with a claim payout rate of 98% or higher. Companies like New York Life and Prudential Insurance offer fast, reliable claims for missionaries.
Is Globe Life insurance good for missionaries?
Globe Life may offer affordable term options, but it often lacks the global coverage that missionaries need. Compare with specialized missionary insurers first.
Is the Bible against insurance?
No, the Bible isn’t against insurance. It promotes planning and providing for your household, which helps you have financial protection, such as insurance.
What does the Bible say about saving a life?
Scripture values life deeply—Proverbs 24:11 urges us to rescue those in danger. Life insurance supports that principle by providing financial protection for loved ones.
What acts of God are not covered by insurance?
Natural disasters like floods, earthquakes, and war zones may not be covered unless specifically included in your life or travel policy. Find out how to file a home insurance claim for wildfire damage before disaster strikes.
What type of beneficiary is best for missionaries?
The best beneficiary for you is someone who depends on your support, such as a spouse, child, or charitable mission organization you trust.
How much life insurance do missionaries need?
You may need 10–15 times your annual income, or enough to cover debts, mission support, and your family’s future, averaging $250,000 to $500,000 in coverage.
What happens if the owner of a life insurance policy dies before the insured?
If you own a policy and die before the insured, ownership typically passes to a contingent owner or your estate until a new owner is assigned.
What are missionaries not allowed to do?
As a missionary, you’re often expected to avoid political activism, for-profit work, or any actions that conflict with the values of your sending organization. To learn more, see our “CMA Insurance Services Review”.
How are missionaries paid?
Missionaries are usually supported through donations, sponsorships, or stipends from their church or mission organization, not traditional salaried income.
What expenses can missionaries deduct?
You can typically deduct travel, housing, medical insurance, and ministry-related supplies if you’re classified as self-employed or part of a nonprofit.
Who can be denied life insurance as a missionary?
You may be denied if you travel to high-risk regions, have serious health issues, or lack U.S. residency or citizenship documentation.
What happens to life insurance for missionaries if no beneficiary is listed?
If you don’t list a life insurance beneficiary, the policy payout will go to your estate, potentially delaying funds through probate and increasing taxation.
Who can you leave your life insurance to as a missionary?
You can leave your life insurance to family, a spouse, a charitable mission, or even a church—just ensure the entity is legally recognized.
What is the best whole life insurance to get for missionaries?
The best whole life insurance for missionaries typically includes lifetime coverage, international benefits, and fixed monthly premiums, starting at around $100 per month.
What are the 4 recommended types of insurance for missionaries?
You should have life, health, travel, and disability insurance to stay covered throughout domestic and international mission work.
What type of life insurance gives the greatest amount for missionaries?
Term life insurance generally provides the highest coverage amount for the lowest monthly rate—great for missionaries who need protection of $ 500,000 or more.
Which term life insurance is best for missionaries?
The best term life insurance for missionaries offers global coverage, conversion options, and rates starting at $20 per month with high benefit caps.
Do you need health insurance for LDS missionaries during international missions?
Yes, health insurance for LDS missionaries is essential abroad and often required. Most plans start at $40 per month and cover medical care, evacuation, and emergencies.
What does Talent Trust Alpha cover for missionaries like you?
Talent Trust Alpha provides worldwide health insurance for missionaries, with monthly rates starting at $60 and benefits like hospitalization, prescriptions, and 24/7 global support.
Is the Talent Trust Outreach Plan right for your mission work?
The Talent Trust Outreach Plan is ideal if you’re serving short- or long-term missions abroad. It includes international medical coverage for $55 per month, along with mission-focused benefits. Explore plans that offer the best health insurance for outreach workers who travel frequently and require reliable medical care abroad.
Why should you prioritize missionary health when choosing coverage?
Prioritizing missionary health ensures you’re protected against overseas risks. Look for plans that include mental health support, immunizations, and emergency evacuation coverage, starting at around $50 per month.
What does short-term mission insurance include for your trip?
Short-term mission insurance covers medical emergencies, trip delays, and evacuation for missions of one year or less. You can get reliable plans for as low as $30 per month.
How does the Faith Ventures Basic Plan support your mission trip?
The Faith Ventures Basic Plan offers affordable travel medical coverage for your mission, starting at just $25 a month, and includes $100,000 in emergency benefits.
Why is mission trip insurance important for your travels abroad?
Mission trip insurance protects you from costly medical bills and travel disruptions. Monthly coverage starts around $20 and ensures peace of mind while overseas. Learn why choosing the best car insurance for medical payments coverage could save you thousands.
Who pays for missionaries when serving abroad?
You are typically funded through donations, sponsorships, or support from your church or mission agency. These sources cover living expenses, travel, insurance, and ministry tools.
How do missionaries get retirement after years of service?
You can receive retirement through mission-sponsored plans, personal savings, or IRAs. Some organizations offer retirement contributions, while others expect you to manage your own fund.
How can Mission Health Insurance benefit you during service?
Mission health insurance covers doctor visits, urgent care, and hospitalization while you’re abroad, with most providers offering plans from $40 to $80 per month. Get affordable life insurance for missionaries by entering your ZIP code into our free quote comparison tool.
Compare The Best Insurance Quotes In The Country
Compare quotes from the top insurance companies and save!
Secured with SHA-256 Encryption
Laura D. Adams
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Insurance & Finance Analyst
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.