Has anyone had any success implementing a global life/disability plan that covers employees in multiple countries outside the U.S.? Many carriers I talk to will not write one plan to cover all, and want to write individual, country-specific plans.

Thanks!

A lot is going to depend on the following:

1. Number of total employees being covered;
2. Number of employees who are out of the country;
3. Whether the employees are ex-pats or foreign nationals;
4. Which countries the employees are in; and
5. The insurance carrier itself.

If you only have a couple of employees you are trying to cover, you'll probably be ok. However, if you have 200 employees and 100 of them are out the country, a U.S. insurance carrier is probably not going to want and take the risk. Additionally, some carriers are more flexible in taking on this risk than others.