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 or visit us online at

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