What Is Life Insurance for Expats?

During your discussion with one of The Insurance Surgery’s experts, they’ll first ensure that you meet the criteria for securing expat life insurance. This includes:

• You are a UK National with a UK address
• You have a UK-based liability, e.g. mortgage (either buy-to-let or personal), family, potential inheritance tax liability or ownership of a business registered and based in the UK
• A UK bank account to pay for the policy

Provided that you meet the key criteria, you’ll then have a detailed discussion with our team so that we can best understand what your insurance requirements are. We’ll need to find out why you need coverage in order to best advise on which type of policy best suits you and your needs. Our experts will also consider:

• What country you live/intend to live in (i.e. Does the Foreign Office issue advice against travel in that country?)
• Purpose of Cover
• How long you have lived there
• How long you intend to stay there
• What your occupation will be

On top of this information, personal circumstances, which are typically considered during regular insurance processes, may also affect the outcome of your application. As we mentioned, there are a number of policy types that may be suited to you.