International Group Insurance Products with Full Description:

Who helps you today to navigate international risk management and global benefits for expatriates, TCNs, foreign nationals and global travelers?

The 3 most important reasons to team with us for international group insurance needs are outlined below:

There is no cost to have McKinley International on "retainer" and we share advice with clients every day with no consulting fees.

If you employ expatriates and other international assignees, you never know what may cross your desk and you need a partner that can navigate ANY issue that may come your way.

Your current broker or consultant may lack international experience (99% do), and there is no conflict because we do NO U.S. domestic benefits.

For an in depth review of these international group insurance topics, please review each of the 4 white papers below:


A quality international LTD plan can extend benefits to both U.S. and non U.S. expatriates under the same program, and provides either a lump sum payout in the event of total disability or a monthly payout to age 65 with a $7,000 monthly maximum benefit.

We do work with key individuals to provide additional life and LTD benefits that may need to be extended to key local nationals, or key man expatriates.

Expatriate Disability Insurance: Individual and Group Expatriate Long Term Disability.

As we have found with life insurance, there are many instances where employers need to provide a dedicated international long term disability insurance plan for U.S. expatriates and TCNs. It is a mistake to rely on the U.S. domestic LTD plan to cover those on foreign assignment.

Expatriate LTD; Why not the U.S. Plan?

90% of U.S. insurance brokers don't recognize this as the Lloyd's of London building, the most famous insurance structure in the world. Your U.S. broker may also recommend using the U.S. LTD plan to cover employees working internationally. Has this been cleared and approved by the U.S. LTD carrier? In most cases the answer is no. A single expat may have been added years ago and the size grew quietly and under the radar for years.

U.S. LTD carriers need to operate by their filed policy language. The geographic scope of their coverage is almost never outside of North America. Under these circumstances, your LTD carrier cannot make an exception to cover a disability that occurred abroad no matter how big of a customer you are, because it's a legal issue for them.

What about international LTD for TCNs?

Here is your expatriate group. How many are covered by the U.S. LTD plan but need an international disability insurance plan due to holes in the U.S. plan's scope of coverage?. How many are non-U.S. expatriates? What does this TCN group do for international LTD insurance?

Many TCNs do not need to be offered a U.S. style international disability insurance plan. The standard in the rest of the world is not monthly payments until age 65 but a Lloyd's of London style "PTD program." PTD stands for permanent and total disability. These international disability plans pay a lump sum in the event of disability at the end of a 3 year monthly payout schedule.