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 or visit us online at

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    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

    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

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