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 or visit us online at

*** 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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