Our Story
Built by Expats, for Expats.
Expat Insurance is an independent global health insurance brokerage headquartered in El Segundo, California. We exist because navigating international health coverage is unnecessarily complex — and we believe it doesn't have to be.
Our Mission
The luxury of total peace of mind.
We believe that wherever you choose to live, work, or travel, you deserve access to world-class medical care without the financial anxiety that typically comes with it.
Our role is simple: understand your life, match you to the right carrier, and stand by your side when it matters most. No jargon. No hidden gaps. Just clarity and coverage.
What We Stand For
Our Values
Carrier-Backed Protection
We work exclusively with A-rated international carriers so every policy we place carries the financial strength your health deserves.
Truly Global Reach
From Lisbon to Singapore, our network spans 190+ countries. We understand local healthcare systems so our clients don't have to.
Concierge-Level Service
You're not a policy number. Every client is assigned a dedicated advisor who manages renewals, claims guidance, and policy changes.
Licensed & Independent
Expat Insurance holds all required state and international licenses. As an independent broker, our loyalty is to you — not a carrier.
The People Behind It
Meet the Team
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Adam Beach
Founder
A true expatriate himself, Adam founded Expat Insurance after experiencing firsthand how broken the expat insurance experience could be. He brings a wealth of knowledge spanning international markets, carrier relationships, and global coverage structures that few advisors can match — and a genuine passion for making world-class protection accessible to anyone who calls the world home.
Ana Estrada
Principal Advisor
Ana holds dual licensure in Life & Health and Property & Casualty — a distinction that enables her to architect comprehensive coverage strategies across both personal and commercial lines. With deep, hands-on expertise in international markets and cross-border placement, she brings a level of sophistication rarely found in a single advisor. Ana navigates the full complexity of international insurance with precision, discretion, and an unwavering commitment to her clients.
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Kim Gatus
Client Concierge
Kim is the first point of contact for client questions, claims, and ongoing support. She personally prepares every quote, ensuring each one is accurate, timely, and tailored to the client's unique situation. Her warmth, responsiveness, and meticulous attention to detail keep the entire process smooth — from the first inquiry all the way through to policy confirmation.
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Bethan Milner
Office Manager
An expat herself, Bethan brings a personal understanding of the challenges that come with living and working abroad. She keeps Expat Insurance running seamlessly behind the scenes — from day-to-day operations to team coordination — ensuring the office functions with the same level of care and precision that our clients experience at every touchpoint.
Where We Are
Based in California. Serving the world.
Our office sits steps from the Pacific Coast Highway — fitting for a firm that helps clients navigate life across every ocean.
Ready to work together?
Schedule a no-obligation consultation with one of our advisors and find the right plan for your life abroad.