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Expat Life Insurance, International Life Insurance Plans.
If you live and work abroad, a major consideration should be the
protection of your lifestyle and income if anything unforeseen
happens to you.
If you have a family it is vital that their financial security
is assured in any event, and that their lifestyle, independence
and well being is protected. This is an added responsibility
that accompanies your success and measures should be taken to
plan for a future in the event of your incapacity or death.
For most UK residents obtaining life cover is a simple task -
this is not necessarily the case if you're an expat as many UK
life companies are not prepared to offer cover for non UK
residents.
We specialise in securing the best international insurance policies
for UK expatriates and make the process of obtaining cover as
quick and easy as possible. We aim to save you time by sourcing
the best global policies without you having to phone around yourself.
To read more about our insurance
services and to receive a life insurance quote, please click on
the quote request below.
We can help you obtain life
cover, critical illness cover or a policy designed to incorporate both.
Expat Life Insurance.
Expat Life Insurance can provide financial security for
your family as it will pay out a lump sum in the event of death.
Life insurance cover is available on a single or joint life basis.
Expat Critical Illness Insurance.
Expatriate Critical Illness Insurance can provide cover in the
event of permanent and total disability, or the diagnosis of a
specified serious illness. In the event of incapacity your future
plans are likely to dramatically change.
You may wish to retire early or move house, and critical illness
cover will help provide an income to cover day to day living
costs, mortgage repayments or medical expenses. As with life
cover there are different types of critical illness plan to
cover either on a single or joint life basis.
Expat Life Insurance with Critical Illness
Cover.
Many International insurance plans offer the benefit of life cover combined with
critical illness. This is an ideal scenario for the expatriate
who wants complete security with maximum protection in any
event.
As an expatriate It is important for you to have flexibility
built in to any protection plan. Many insurance plans offer the
ability to increase or reduce the amount of cover and to adjust
the frequency of payments. As an independent UK insurance
broker, we have access to a range of insurance policies
specially suited to our international clients. Wherever
you live and work, we'll do our best to find the plan that best fits you individual
requirements.
International Insurance Cover and Premiums
Typically UK life insurance policies can be taken on the following terms.
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Level Term Assurance
Premiums are fixed for the duration of the insurance term and a payment will
only be made if a death occurs during the insurance period. Taken out for a
fixed term, level term insurance can be a useful way to provide security for
dependents up to a certain age.
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Whole of Life Cover
Normally the most expensive type of life insurance, these policies run for
life of the policy holder and will pay out on their death. This type of
insurance can be used by expats to help pay estate inheritance taxes.
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Decreasing Term Assurance
As the name suggests, life cover decreases during the insurance term
reducing the cash payout the longer the term runs. Can be useful for the expat
wishing to secure the payment of a reducing debt if they die during the
term. Less expensive than level term insurance.
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Annually Reviewable
Policies.
These policies are reviewed annually and can be cheap initially but will
become more expensive as the policy holder's age increases.
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