British Expatriates Excluded By The UK Insurance Industry …

Unusual Risks have received many enquiries and questions from British Expatriates, asking whether they are able to get Life Insurance and Critical Illness products. These are some of the more common questions we are asked by people approaching us for Life Assurance to protect their Mortgage, Home, Children or Family.

Client Question …

“We’re moving this summer and I’m having problems getting Life Insurance because apparently my nomadic lifestyle makes me a higher risk for insurance. Others must have faced this and found a solution?”

Unusual Risks Answer …

“It’s true that the majority of Insurance Companies see British Expats as a higher risk for insurance.  However, there are Insurance Companies that we can recommend that will offer Life Insurance or Life Assurance without charging excessive higher premiums. Some of the companies we recommend will even offer Critical Illness Cover to some UK Expatriates in certain circumstances”.

Client Question …

“I’m already living abroad as a British Expat and I’ve been turned down by a UK Insurance company because I was not able to provide them with a UK doctor to go on their application form. Does this mean I’ll be permanently excluded from taking a UK Life Insurance policy?”

Unusual Risks Answer …

“It’s true that the majority of UK Life Insurance companies will exclude a British Expatriate from insurance  if they have moved their medical notes to a doctor in another country. However, there are still a few companies that are willing to help and we are still able to arrange Life Insurance for British Expats. We are able to arrange an Insurance medical with any UK speaking, qualified doctor in your new adopted country”.

Client Question …

“We’ve only got a few months left on our Term Life Assurance and I’m starting to find out that it’s hard to renew it now we are more permanently abroad. Is it impossible to renew existing Life Insurance policies for British Expats who are living abroad?”

Unusual Risks Answer …

“It’s true that it is sometimes difficult or impossible to renew an existing UK Life Insurance plan once you have moved abroad. The majority of UK Insurance Companies have strict policies on providing Life Insurance and Critical Illness Cover for people living abroad. We have researched all of the UK Insurance Companies recently and are able to report that there are still some Insurance Companies that will provide Life Insurance for British Expats and in certain circumstances also Critical Illness Cover”.

If you have questions regarding Life Insurance, Life Assurance or Critical Illness Cover for British Expats living abroad or feel excluded by the UK Insurance Industry because of your residential status then please feel free to contact us below and we will try to answer your question.

Visit www.expatriatelifeassurance.co.uk for our free British Expatriate Life Assurance Factsheet

If you require more information on Life Insurance, Life Assurance, or Critical Illness Cover for British Expatriates living abroad you can contact Unusual Risks Mortgage & Insurance Services on UK 0845 474 3075 or International +44 1404 45397, email at Enquiries@unusualrisks.co.uk or web at http://www.expatriatelifeassurance.co.uk

PLEASE NOTE* All applicants should be able to offer some form of interest in the United Kingdom such as a UK Property Address. All policies are arranged through leading UK Insurance Companies who collect the premiums from a UK Bank Account.

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