
Life insurance provides comprehensive financial protection for your loved ones, offering a lump sum payout in the event of your passing. However, normal life insurance usually only applies if you are living in the same country where you took out the policy and, if you move, it doesn’t necessarily travel with you. As an expat, this makes international life insurance a must. Unlike normal insurance, it vitally offers portability, designed to pay out no matter where you are in the world, subject to policy terms.
However, identifying the right policy amidst a landscape of varying terms, providers, and coverage options can be complex.
There are two main types of life insurance, ‘term' and ‘whole’. ‘Term’ covers you for a set period, for instance 10 years, while ‘whole’ covers you for life. We can recommend which type suits your circumstances. We specialise in sourcing and arranging well-structured international life insurance policies.
We source policies;
We secure policies tailored to fit your personal and budgetary requirements.
We source life insurance that moves with you across countries without requiring a new policy per country.
We ensure your cover pays out in range of strong currencies including; USD, GBP, EUR, and AUD.
We can source policies that include critical illness cover, allowing you to access your benefit early in the event of a qualifying diagnosis.
We make sure your policy offers global coverage and is easy to claim no matter where you are in the world.
We are a wholly independent and privately owned company, free from external constraints. This allows us to explore the market comprehensively, identifying suitable policies for you.

‘Term’ life insurance covers you for a set period, for instance 10 years. A ‘term’ policy reflects your changing circumstances, giving you the freedom to reduce your cover accordingly. Whereas a ‘whole of life’ policy covers you for the duration of your life. It remains in force regardless of changes to your health, offering continued coverage should you later become ineligible for insurance. We can advise as to which type suits you, dependent on your personal circumstances.
We recommend you consider insurance earlier, as it is likely you will have dependents who are financially reliant on you earlier in your life. Furthermore, as premiums are calculated based on your age and health, the cost will be lower if you take out insurance earlier. Some policies offer fixed premiums for the duration of the term. Speak to our team for more details.
The amount of cover you need will depend on your personal circumstances. As a starting point, it is worth considering your outstanding financial obligations, such as a mortgage or other debts, alongside the income your family would need to maintain their standard of living in your absence. You may also wish to factor in future costs such as education fees for your children. As your circumstances change over time, it is worth reviewing your coverage requirements periodically to ensure your policy remains appropriate. We can help you think through your coverage requirements.
This depends on the amount insured, but generally yes, you will need a medical examination. These examinations are carried out at a private clinic of your choosing. The cost is generally borne by the insurer, with most insurance providers have a list of preferred clinics that require no upfront payment. Should you choose a clinic that is not listed, you may need to pay and then be reimbursed. However, if you have a pre-existing condition then you may need to provide additional reports outlining your prior treatments. In these instances, you may need to pay for a consultation and/or cover the cost of sourcing previous medical records/reports.
It is difficult to determine what affect your pre-existing condition may have on your cover as insurance providers review applications on a case-by-case basis. However, if you do have a condition, it is likely you will need to provide additional documentation, including medical reports for previous treatments. Generally, insurance will still be able to be obtained, but there may be a premium increase should the insurer deem you to be an increased risk to them.
Yes. Some occupations and sporting/lifestyle activities have higher risks associated with them. If these apply to you, it is likely you will have to complete additional documentation.
Critical illness cover is an addition to a life insurance policy that allows you to access your benefit early in the event of a qualifying diagnosis, such as cancer, heart attack, or stroke. Rather than a payout to your beneficiaries upon your passing, the funds are paid directly to you, providing financial support at a time when you may be unable to work. Whether critical illness cover is appropriate for you will depend on your personal circumstances, including your existing financial resilience and any other coverage you may have in place. We can help you assess whether it is worth including as part of your policy.
Yes. However, fewer insurers offer joint policies, and they are not always advisable. It is best to seek professional guidance to see if you would benefit from a joint policy.
If your personal circumstances change; including divorce, remarriage, or the death of a named beneficiary, it is important to review and update your policy accordingly. In most cases, you can update your nominated beneficiaries by notifying your insurer directly. However, depending on your jurisdiction and the specific terms of your policy, there may be legal considerations that affect how your benefit is distributed. For this reason, we recommend reviewing your life insurance policy alongside your broader estate planning arrangements, including your will and any trust structures, to ensure your wishes are properly reflected. Speak to our team about estate planning for expats.
You can make changes to your policy. However, requests to increase the amount of cover may require new medical information which in turn may need further medical examinations.
Moving to another country would not affect your cover however, you would need to inform the insurer of your change of address.