BRITISH EXPATRIATE LIFE INSURANCE & CRITICAL ILLNESS COVER … The Pitfalls When Buying Insurance !

Why would you buy Life Assurance if it wasn’t “Expat Friendly”? I’m meeting more and more clients who have quotes for Life Assurance and/or Critical Illness Cover and they are not even certain the product is suitable for British Expats living outside the UK.

Most people contact me because they want the best quality cover, with a strong UK insurer and the security that comes with it. What I don’t understand is why would anybody even consider buying a product from an internet comparison site or through a mainstream broker if the products being offered were completely unsuitable?

Be sure to also see my previous article “Third Party or Fully Comprehensive”? http://www.expatriate-life-assurance.co.uk/?p=311

FULLY COMPREHENSIVE

There are several situation’s where a UK Insurer may consider offering cover to a British Expat living abroad, but you need to be aware that not all UK insurers offer cover to Expats. Expert specialist advice is essential to make sure you are offered “Fully Comprehensive cover” and not “Third Party” only cover.

INSURABLE INTEREST

Any UK Insurers offering Life Assurance or Critical Illness Cover to a Brit abroad is going to want clear evidence of “Insurable Interest”, which most consumers will not know how to do. This issue in itself alone could invalidate your Insurance policy in the future, so if you are a British Expat looking for cover, it’s best to seek specialist advice.

COMPETITIVE PREMIUMS

As a British Expat you are highly unlikely to qualify for the absolute cheapest policy offered in the market, because those insurers do not offer cover to people spending more than six months outside the UK. However, all is not lost because it is still possible to access the highest quality cover, at very competitive prices through a specialist broker.

TERMS AND CONDITIONS

Most leading UK insurers have specific terms and conditions relating to British Expats and especially strict criteria around “Insurance Interest” and “Residency”. Why would you spend your valuable spare time during evenings and weekends researching, when a professional adviser knows the answers already?

COMPARISON WEBSITES

Expat Life Assurance and Critical Illness Cover is not the type of policy you should be trying to buy on comparison websites, as most UK insurers have strict criteria around residency and you are likely to buy an invalid policy. They are simply unsuitable, so why would you even consider paying premiums for cover bought in this way?

MAINSTREAM BROKER

The average mainstream broker you could ask to offer advice on “Expat insurance”, will encounter this issue maybe once a year at the most. The one’s outside of the London financial district, probably hardly ever in their whole careers, so their knowledge on these issues is going to be very limited to say the least. I know this because many of them phone my office looking for help with their clients.

ADVICE & RECOMMENDATION

At Unusual Risks we only offer a “Fully Comprehensive” service with financial advice included. The premium you eventually receive will be very competitive, but we are unlikely to offer you the absolute cheapest premium in the market, because those products do not even cover British Expats living abroad. We believe it is crucial that the products we recommend are specific to the needs of British Expats and are “Expat Friendly”.

Be sure to also see my previous article “Third Party or Fully Comprehensive”? http://www.expatriate-life-assurance.co.uk/?p=311

Unusual Risks are the UK’s leading financial advisers offering specialist advice on Life Insurance, Life Assurance and Critical Illness Cover for British Expatriates and UK Citizens currently living abroad.

For more information on Expatriate Life Assurance, Expatriate Life Insurance, Expatriate Critical Illness Cover you can contact Unusual Risks by phone (Int) +44 1404 45397 (UK) 0845 474 3075.

Or contact us by Email at enquiries@unusualrisks.co.uk or visit us online at www.expatriatelifeassurance.co.uk

 

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BRITISH EXPAT LIFE INSURANCE AND CRITICAL ILLNESS … Third Party? or Fully Comprehensive?

We have recently been approached by several Expat clients whose main aim has been to secure the absolute lowest premium for their Life Insurance and Critical illness Cover ….

The odd thing about this is that even though they are either living abroad already, or have intentions of living abroad in the near future, they are willing to sacrifice the quality of cover and specialist financial advice, for even the smallest of savings per month.

COMPARISON WEBSITES

There are several ways you could buy Life Insurance and Critical Illness as an expat, but the one way that we certainly DO NOT recommend is buying via“ Direct Offer” or via “Internet Websites”. These distribution routes do not include advice, therefore it is difficult to know for sure if the policy covers Expats. Most of the products offered through this route do not even cover British Expats, due to complex residency terms and conditions.

MAINSTREAM BROKERS

Many people approach “Mainstream Brokers” without realising they rarely encounter British Expats looking for Life Insurance and critical illness cover. This means they are increasingly likely to offer you a product that is unsuitable for an Expat. We regularly meet clients who have been offered an incorrect product, due to the lack of knowledge of the mainstream financial adviser.

SPECIALIST FINANCIAL ADVICE

Of course our recommended distribution route is through a “Specialist Financial Adviser” like Unusual Risks, because we have looked after literally hundreds of British Expats before and are completely up to date with the latest availability of products. This way you will receive the best “Expat Friendly” products available and be sure the terms and conditions of the policy are “inclusive” of your residential circumstances.

REAL LIFE EXAMPLES

We have been completely shocked these last few weeks by clients who have approached us for “quote comparisons” against products that won’t even pay out benefits to a British Expat upon a claim, or have restrictions around the counties that are included in the policy. Most UK Life Assurance Companies do not even offer cover and certainly will not be pay out benefits to an expat on a claim.

SPECIALIST PRODUCT

What is remarkable is that the quote comparison that we provided, was for an “Expat Friendly” product and was only £2 per month extra in premium. The margins between most Term Life and Critical Illness Cover products are actually very slim these days. The cost of “Fully Comprehensive” cover that is “Inclusive” of Expats is actually still very competitive.

SERIOUS ISSUES

So to look at Life Insurance using terminology normally used for car insurance. If you are going to be resident abroad and spend time outside of the UK, would you rather be covered only for “Third Party” cover or prefer to have “Fully Comprehensive” cover? We think the answer to this question is absolutely obvious, why would you pay any premium to an insurance company for a policy that simply does not cover you?

ADVICE & RECOMMENDATION

At Unusual Risks we only offer a “Fully Comprehensive” service with financial advice included. The premium you eventually receive will be very competitive, but we are unlikely to offer you the absolute cheapest premium in the market, because those products do not even cover British Expats living abroad. We believe it is crucial that the products we recommend are specific to the needs of British Expats and are “Expat Friendly”.

Unusual Risks are the UK’s leading financial advisers offering specialist advice on Life Insurance, Life Assurance and Critical Illness Cover for British Expatriates and UK Citizens currently living abroad.

For more information on Expatriate Life Assurance, Expatriate Life Insurance, Expatriate Critical Illness Cover you can contact Unusual Risks by phone (Int) +44 1404 45397 (UK) 0845 474 3075.

Or contact us by Email at enquiries@unusualrisks.co.uk or visit us online at www.expatriatelifeassurance.co.uk

Posted in British Expatriates, Critical Illness Cover, Expatriate Life Assurance, Global Life Assurance, Global Life Insurance, Global Life Plans, Global Protection Plans, International Critical Illness Cover, International Life Assurance, International Life Insurance, Level Term Assurance, Life Assurance, Life Insurance, Whole of Life Assurance | Leave a comment

LIFE INSURANCE & CRITICAL ILLNESS COVER FOR BRITISH EXPATS – DECEMBER 2017

The market has been constantly changing in 2017 for British Expat Life Insurance and British Expat Critical Illness Cover. Insurance providers have been appearing and disappearing at a rapid pace, which means independent financial advice is absolutely essential before taking any form of Expat Cover.

If you spend more than six months of the year outside of the UK you without any doubt will need to arrange specialist cover.

Life Assurance

We believe as British Expats, you are entitled to take Life Insurance in the UK. However, there are still only limited providers that offer insurance to UK Citizens living abroad. It is still possible in certain circumstances, even though UK Providers have become very strict about who they offer cover to this year.

In order to apply you must still have a UK Bank Account, own a UK Property and have a UK Mortgage or alternatively still have financially dependent family resident in the UK.

Critical Illness Cover

Critical Illness Cover has been off the agenda for British Expats for sometime after the withdrawal of all the major UK Insurers from this market. Just when we had almost given up hope of being able to offer this again, this product has just been made available again to certain groups of Expats.

Once again you must still have a UK Bank Account, UK Property and a UK Mortgage to apply for cover, or have financially dependent family in the UK.

Terms & Conditions

We were recently approached by a mainstream broker, asking us questions about a Life & Critical Illness Cover he was arranging for an Expat client currently based in the United States. This is an example of why British Expats should seek advice from a financial adviser with years of experience arranging cover for UK Citizens living abroad.

The T&C’s of most policies exclude USA at this moment in time, so the policy he was arranging is in fact invalid. We have detailed knowledge of Expat Life and Critical Illness Cover. If you are unsure if the country where you are resident is insurable, then we can research this for you.

Unusual Risks are the UK’s leading financial advisers offering specialist advice on Life Insurance, Life Assurance and Critical Illness Cover for British Expatriates and UK Citizens currently living abroad.

For more information on Expatriate Life Assurance, Expatriate Life Insurance, Expatriate Critical Illness Cover you can contact Unusual Risks by phone (Int) +44 1404 45397 (UK) 0845 474 3075.

Or contact us by Email at enquiries@unusualrisks.co.uk or visit us online at www.expatriatelifeassurance.co.uk

Posted in British Expatriates, Critical Illness Cover, Expatriate Life Assurance, Global Life Assurance, Global Life Insurance, Global Life Plans, Global Protection Plans, International Critical Illness Cover, International Life Assurance, International Life Insurance, Level Term Assurance, Life Assurance, Life Insurance, Whole of Life Assurance | Leave a comment

Specialist Life Assurance For British Expats Living In Higher Risk Countries …

Unusual Risks are specialist brokers for British Expats living outside of the UK.

We are able to find Life Assurance for people in the following list of “Unusual” countries, as well as Canada, Eastern and Western Europe, North and South America, South Africa, Australia and New Zealand. Please note we are not able to arrange cover for people living in United States of America, due to tax legislation. 

These are some examples of countries that are on our “Countries Considered List” that can be difficult to insure …

Algeria, Argentina, Bangladesh, Bolivia, Brazil, China, Cuba, Colombia, Costa Rica. Dominican Republic, Ecuador, Egypt. Guatemala, Guyana, Hondurus,  India, Indonesia,  Israel, Japan, Kazakhstan, Malaysia, Mexico, Morocco, Pakistan, Panama, Papua New Guinea, Paraguay, Peru, Philippines, Puerto Rico, Russia, UAE, Ukraine, Saudi Arabia, South Korea, Thailand, Turkey, Uruguay, Venezuela and Vietnam.

If you are living in a country that is not on our list above and would like us to research this on your behalf then, please feel free to contact us. We have several insurers that are very flexible with their underwriting approach and offer specialist life assurance and critical illness cover to people living in higher risk countries.

Unusual Risks are the UK’s leading financial advisers offering specialist advice on Life Insurance, Life Assurance and Critical Illness Cover for British Expatriates and UK Citizens currently living abroad.

For more information on Expatriate Life Assurance, Expatriate Life Insurance, Expatriate Critical Illness Cover you can contact Unusual Risks by phone (Int) +44 1404 45397 (UK) 0845 474 3075.

Or contact us by Email at enquiries@unusualrisks.co.uk or visit us online at www.expatriatelifeassurance.co.uk

Posted in British Expatriates, Critical Illness Cover, Expatriate Life Assurance, Global Life Assurance, Global Life Insurance, Global Life Plans, Global Protection Plans, International Critical Illness Cover, International Life Assurance, International Life Insurance, Level Term Assurance, Life Assurance, Life Insurance | Leave a comment

BRITISH EXPAT LIFE INSURANCE & CRITICAL ILLNESS COVER – LATEST NEWS SEPTEMBER 2017

Unusual Risks are now arranging Life Insurance and Critical Illness Cover for British Expats, which until only a few months ago was difficult for Life Insurance and impossible for Critical Illness Cover.

Critical Illness Cover is highly relevant to Expats living outside the UK as it is A PRODUCT known for providing a lump sum benefit in the event of serious illness, however applicants should seek specialist advice before taking cover.

Here are some top tips for British Expats looking for Cover.

1) Most UK Life Insurance and Critical Illness Cover providers will have a minimum number of weeks that a UK citizen has to be in the UK, which makes most of their products unsuitable for British Expats.

2) Some Life Insurance and Critical Illness Providers will refuse to insure people living in certain countries, so for example Russia, Ukraine, Iran, Iraq, Pakistan and India at times have all been difficult to insure. Most insurers who insure expats have approved and unapproved countries they will insure.

3) It is also extremely important to check the claims procedures on any policy that you consider taking out, as they may have specific rules particularly around Critical Illness claims. Does your policy have special provisions if you live in certain countries?

4)  If you decide to buy Life Insurance or critical illness cover direct, through a mainstream financial adviser or broker, how can you be sure they know about all of the approved countries and claims procedures? Most do not have this knowledge, so speak to someone that advises British Expats all of the time.

5) The vast majority of Independent Financial Advisers that are licenced outside of the UK, like arranging Pensions and Investments, but rarely enjoy arranging Life Insurance and Critical Illness Cover. This is because their licencing does not extend to the UK and their knowledge of UK insurance products in any detail is very limited.

6) Life Insurance and Critical Illness Cover terms and conditions for British Expats are extremely technical and you should seek specialist advice before taking out a policy.

Chris Morgan and Unusual Risks are the UK’s most experienced and knowledgeable financial advisers, who advise British Expats on their Life Insurance and Critical Illness Cover. We look closely at the approved and unapproved countries, along with claims procedures of any Life Insurance policies we recommend.

All of the Insurance companies we recommend are based in the UK and strong financial standing. If you are looking for a UK Insurance policy and are currently living abroad, then contact us for a no obligation quotation.

Unusual Risks are the UK’s leading financial advisers offering specialist advice on Life Insurance, Life Assurance and Critical Illness Cover for British Expatriates and UK Citizens currently living abroad.

For more information on Expatriate Life Assurance, Expatriate Life Insurance, Expatriate Critical Illness Cover you can contact Unusual Risks by phone (Int) +44 1404 45397 (UK) 0845 474 3075.

Or contact us by Email at enquiries@unusualrisks.co.uk or visit us online at www.expatriatelifeassurance.co.uk


Posted in British Expatriates, Critical Illness Cover, Expatriate Life Assurance, Global Life Assurance, Global Life Insurance, Global Life Plans, Global Protection Plans, International Critical Illness Cover, International Life Assurance, International Life Insurance, Level Term Assurance, Life Assurance, Life Insurance, Whole of Life Assurance | Leave a comment

EXPATRIATE INSURANCE SURVEY 2017 …. LIFE INSURANCE & CRITICAL ILLNESS COVER

*** CRITICAL ILLNESS COVER NOW AVAILABLE FOR BRITISH EXPATS LIVING ABROAD, SUBJECT TO APPLICANTS MEETING STRICT CRITERIA FROM INSURERS ***

Unusual Risks, the UK Life Insurance advisers, are today announcing the results of their recent Expatriate Insurance Survey. After conducting their latest research into the availability of Life Insurance and Critical Illness Cover to British Expatriates, they can now confirm that 28% of UK insurance companies offer Life Insurance products to British Citizens living abroad.

This was a significant increase from the previous year’s figure of 16% and indicates that British Expats now have more options to find adequate Life Insurance to meet their requirements. Also in the survey it was established that only 7% of providers are prepared to accept an application for Critical Illness Cover.

Speaking about their survey, Chris Morgan, Lead Financial Adviser of Unusual Risks Said;

‘Over the last year there has been a marked increase in the availability for Life Insurance products for British Expats living abroad. Although the majority of the mainstream UK Insurers such as Legal & General, Friends Life and Aviva have all now withdrawn from offering this type of cover, there are now a number of new options for Expats seeing Life Insurance.

‘There are still many groups of British Expatriates that have genuine reasons for needing a UK based Life Assurance plan, such as those with property interests, outstanding mortgages or tax interests in the UK. We have also met British Expatriates who require Life Assurance to protect family members and children who are still resident in the United Kingdom’.  

Unusual Risks are also encouraged by the sudden availability of Critical Illness Cover once again for British Expats after this had been withdrawn by insurers completely over the last few years. They have recently arranged Critical Illness Cover for UK Citizens living in countries in both Europe and Asia. Those seeking CIC Cover should contact Unusual Risks to find out if their country is covered.

Chris Morgan and Unusual Risks have been helping the British Expatriate community for the last six years to arrange all types of Life Insurance and Critical Illness Cover policies to meet their needs. They are experienced at tailoring Life Insurance policies for British people living abroad in all corners of the World.

Unusual Risks are the UK’s leading financial advisers offering specialist advice on Life Insurance, Life Assurance and Critical Illness Cover for British Expatriates and UK Citizens currently living abroad.

For more information on Expatriate Life Assurance, Expatriate Life Insurance, Expatriate Critical Illness Cover you can contact Unusual Risks by phone (Int) +44 1404 45397 (UK) 0845 474 3075.

Or contact us by Email at enquiries@unusualrisks.co.uk or visit us online at www.expatriatelifeassurance.co.uk

Posted in British Expatriates, Critical Illness Cover, Expatriate Life Assurance, Global Life Assurance, Global Life Insurance, Global Life Plans, Global Protection Plans, International Life Assurance, International Life Insurance, Level Term Assurance, Life Assurance, Life Insurance, Uncategorized, Whole of Life Assurance | Leave a comment

BRITISH EXPATS – CRITICAL ILLNESS COVER & LIFE INSURANCE – LATEST NEWS – SUMMER 2017

*** CRITICAL ILLNESS COVER IS NOW AVAILABLE FOR BRITISH EXPATS ABROAD ***

British Expats have received a rough deal this last few years with the majority of mainstream providers withdrawing from offering Life Insurance to British Citizens living abroad. Just because a British person moves and lives abroad for a while, does this mean they stop being British? We think not !

Therefore Unusual Risks have always looked after the British Expat community by sourcing “Guaranteed” Life Insurance products from other UK providers hat we have built up special relationships with. Life Insurance has always been accessible to British Expats, but Critical Illness Cover has always been in very limited supply.

Recently we have been working with a new UK Insurer making sure the interests of our clients are completely covered as they enter the arena with a Critical Illness Product, designed for those with outstanding Mortgages in the UK and those who still have family members financially dependent in the UK.

We have successfully insured clients on this product and are very pleased to now be able to recommend both Life Insurance and Critical Illness Cover options to our clients. We have researched the product thoroughly and have been working closely with the insurer “consulting” with them over their claims procedures.

Should you be looking for Critical Illness Cover or Life Insurance we can provide cover in most areas of the world for British Expats (Subject to strict criteria). Please only contact us if you can meet this criteria as cover cannot be offered outside of these rules.

We believe it is the right of every British Citizen to be able to protect their families financially whilst they are abroad !

*** STRICT CRITERIA ***

All British Expat applicants for LIFE INSURANCE must still own a UK property and hold a UK bank Account.

Those looking for CRITICAL ILLNESS COVER must also have a mortgage outstanding on their UK Property or a family member in the UK that are still dependent on them.

This criteria cannot be altered in any way, so please do not contact us if you cannot meet this criteria. We can only arrange cover for people in these circumstances.

We can consider applicants from most areas of the world, providing we can meet the companies “Diagnosis” requirements in your locality.

ABOUT US 

Unusual Risks are the UK’s leading financial advisers offering specialist advice on Life Insurance, Life Assurance and Critical Illness Cover for British Expatriates and UK Citizens currently living abroad.

For more information on Expatriate Life Assurance, Expatriate Life Insurance, Expatriate Critical Illness Cover you can contact Unusual Risks by phone (Int) +44 1404 45397 (UK) 0845 474 3075.

Or contact us by Email at enquiries@unusualrisks.co.uk or visit us online at www.expatriatelifeassurance.co.uk

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LIFE ASSURANCE & CRITICAL ILLNESS COVER FOR BRITISH EXPATS – LATEST NEWS – APRIL 2017

Life Assurance and Critical Illness Cover has been seriously restricted for the last 12 months, due to changes in legislation and regulation here in the UK. All of the mainstream providers withdrew from offering cover, leaving British Expats without any reliable source of Life Insurance with Guaranteed Premiums and Terms.

LIFE INSURANCE ONLY

In response to this Unusual Risks have sourced a term assurance, with a reliable UK provider which has proved very useful for British Expats struggling to find Life Insurance. This product is available to people living in most areas of the world and have successfully arranged cover for people across the globe already.

Some of the more difficult to insure countries that the product has been useful for insuring applicants are Kuwait, India, Azerbaijan, South Africa, Cayman Islands, Sudan, Pakistan, Nigeria, Kenya and Georgia. The insurer offers Guaranteed Premiums and has strong financial solvency.

There are a number of “International and Global Insurers” currently offering Life Insurance who are based outside of the UK. It has come to our attention that some of these are based in Mauritius and extra caution should be exercised if you are offered one of these products.

CRITICAL ILLNESS COVER

Recently Critical Illness Cover has become available again to British Expats living abroad, but this is only available to people resident in a restricted list of countries at this moment. The list is constantly being updated and improved by our product provider, so if you are looking for this product we suggest you contact us with your circumstances.

This obviously is a welcome major development and we are monitoring this situation closely for changes to the approved countries list and criteria. We have already successfully arranged this product for British Expats and welcome all clients who are looking for Critical Illness Cover. (Subject to criteria below).

*** STRICT CRITERIA ***

PLEASE NOTE: All British Expat applicants for Life Insurance must still own a UK property and hold a UK bank Account. Those looking for Critical Illness Cover must also have a mortgage outstanding on their UK Property. This criteria cannot be altered in any way, so please do not contact us if you cannot meet this criteria. We can only arrange cover for people in these circumstances.

ABOUT US 

Unusual Risks are the UK’s leading financial advisers offering specialist advice on Life Insurance, Life Assurance and Critical Illness Cover for British Expatriates and UK Citizens currently living abroad.

For more information on Expatriate Life Assurance, Expatriate Life Insurance, Expatriate Critical Illness Cover you can contact Unusual Risks by phone (Int) +44 1404 45397 (UK) 0845 474 3075.

Or contact us by Email at enquiries@unusualrisks.co.uk or visit us online at www.expatriatelifeassurance.co.uk

Posted in British Expatriates, Critical Illness Cover, Expatriate Life Assurance, Global Life Assurance, Global Life Insurance, Global Life Plans, Global Protection Plans, International Critical Illness Cover, International Life Assurance, International Life Insurance, Level Term Assurance, Life Assurance, Life Insurance | Leave a comment

Life Assurance & Critical Illness Cover For British Expatriates …

Latest Life Assurance & Critical Illness Cover News For British Expats – December 2016

Life Insurance (UK Based Insurance!)

Over the last few months we have been approached by several new “International Life Insurance” providers offering cover to Brits living abroad. They asked us to consider offering their product to our clients and I would imagine have also been asking other UK financial advisers to do the same.

The products in question have both Term Assurance and Whole of Life Assurance options, which on face value may appear quote attractive. However, as Independent Financial Advisers we are required to exercise “Due Diligence” and conduct extensive research before recommending a product to our clients.

In this case we found that the products were based and regulated in Mauritius, where we understand it is far easier to set up an insurance company than in the UK. It is our belief that British Expat clients come to us, looking to secure Life Insurance in the UK, so the products we recommend will always be with reputable insurers based in the UK.

Critical Illness Cover (Now Available!)

Critical Illness Cover has been impossible to find for British Expats over this last few year, mainly due to the major insurers withdrawing from the market. This was until very recently when a UK insurer decided to reopen their Critical Illness Cover policy to British Expats.

The product is only available to people in certain countries and all applicants must currently own a UK Property and currently hold a UK Bank Account. This criteria applies to all Life Insurance and Critical Illness policies that we arrange, so please do not contact us if you cannot meet this criteria.

Recent Case Example (Medicals Abroad!)

We recently successfully arranged Life Insurance of £200,000 for a married couple living in Saudi Arabia. Paul (Aged 55) and Jane (Aged 54) years of age, work within the oil industry. They wanted to cover their house loans and give capital to their two sons should anything happen to either of them.

We regularly arrange cover for Expats abroad and have special arrangements with insurers that allow us to request medicals abroad with our clients and for us to use their medical records in the country they are residing. We are experts at securing Life Insurance and Critical Illness Cover for our clients.

Unusual Risks are the UK’s leading financial advisers offering specialist advice on Life Insurance, Life Assurance and Critical Illness Cover for British Expatriates and UK Citizens currently living abroad.

For more information on Expatriate Life Assurance, Expatriate Life Insurance, Expatriate Critical Illness Cover you can contact Unusual Risks by phone (Int) +44 1404 45397 (UK) 0845 474 3075.

Or contact us by Email at enquiries@unusualrisks.co.uk or visit us online at www.expatriatelifeassurance.co.uk

*** PLEASE NOTE: We are only able to offer “UK Expat Life Insurance and Critical Illness Cover to people who still own a UK Property and still hold a UK Bank Account. Please only contact us if you can meet this criteria. ***

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Unusual Risks Featured In The National Press – Expatriate Life Insurance & Critical Illness Cover …

Unusual Risks and Chris Morgan have been featured across the national press this last few months, with focus on their work with the British Expatriate community. Over the last 12 months they have been closely researching the availability of Life Insurance and Critical Illness Cover products for British Expats living outside the UK.

They have a long history of working with British Expats to find suitable cover to protect their families, children, properties and mortgages. Chris Morgan spends a great deal of his working hours helping British people living abroad to find Life Insurance and Critical Illness Cover.

Here are some of the news articles that have appeared in the national press …

The Financial Times – FT Adviser

“British Expats Suffer As Insurance Market Contracts”

https://www.ftadviser.com/2016/07/12/insurance/british-expats-suffer-as-insurance-market-contracts-D8YE8PidUeNYusXwzJ5LNN/article.html

Internatonal Adviser – Leading Industry Website

“UK IFA launches new life cover service for British Expats”

http://www.international-adviser.com/news/1030409/uk-ifa-launches-life-cover-service-british-expats

Life Insurance and Critical Illness Cover is very difficult to obtain from UK Life Insurance companies for British Expats living abroad. Many British people prefer to have their Life Insurance and Critical Illness Cover with a UK company, because of the relative stability of the UK financial services markets and UK economy.

We believe that it is the right of every British Citizen to be able to access Life Insurance and Critical Illness products with UK Insurance Companies.

Unusual Risks are the UK’s leading financial advisers offering specialist advice on Life Insurance, Life Assurance and Critical Illness Cover for British Expatriates and UK Citizens currently living abroad.

For more information on Expatriate Life Assurance, Expatriate Life Insurance, Expatriate Critical Illness Cover you can contact Unusual Risks by phone (Int) +44 1404 45397 (UK) 0845 474 3075.

Or contact us by Email at enquiries@unusualrisks.co.uk or visit us online at www.expatriatelifeassurance.co.uk

*** PLEASE NOTE: We are only able to offer “UK Expat Life Insurance and Critical Illness Cover to people who still own a UK Property and still hold a UK Bank Account. Please only contact us if you can meet this criteria. ***

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  • BRITISH EXPATRIATE LIFE INSURANCE

    Unusual Risks are independent insurance advisers who regularly offer independent financial advice to British Expatriates living abroad.

    We have many existing UK clients for whom we have arranged Life insurance, Life Assurance or Critical Illness Cover who are currently living outside of the United Kingdom .

    Our financial advisers are experienced at finding the right insurance policy from the whole market for your requirements, whether it be to protect your Homes, Mortgages, Families and Children.

    Currently we have insurance clients who are living in France, Germany, Holland, Portugal, Spain (Costa Del Sol, Costa Brava, Gran Canaria, Mallorca), Cayman Islands, Malaysia, Singapore, United States of America and many other places.

    Please Note*

    Authorised and Regulated By The Financial Conduct Authority. Unusual Risks are Independent Insurance Advisers based In the United Kingdom. They offer financial advice to British Expatriates, who still own a property in the United Kingdom and maintain a UK Bank Account.

    Our Complaint Handling procedures are available on request. If you have reasons to raise a concern please contact us on 0845 474 3075 or by email enquiries@unusualrisks.co.uk

    If we are unable to resolve an issue to your satisfaction, you may be able to refer the matter to the Financial Ombudsman Service. More information is available on request or by visiting www.financial-ombudsman.org.uk

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