Expat Life Insurance

Ex-pat life cover is available for Non-UK residents with an insurable interest or financial liability in the UK. 

We’ll help you find the best ex-pat life insurance quote

Experienced in the Expat market

We know the ex-pat market and have experience sourcing polices for British ex-pats resident all over the world

Specialised cover if you’ve moved abroad

Specialised cover available to insure your UK based interests being family or assets

Who needs expat life insurance?

If you’re a UK resident planning to move abroad, or are a former UK resident who’s recently moved abroad, and have financial liabilities within the UK, then expat life insurance is a great insurance policy to have in place.

If you already have a life insurance policy in place within the UK, it’s best to double check your policy documents or to chat to your insurance provider, as these policies generally don’t cover you if you’re living outside of the UK, so if you pass away whilst living in another country, your policy won’t pay out.

The cost of expat life insurance can depend on a variety of factors including how much your liability in the UK totals, the type of cover you’re applying for and if the country you’re moving to is classed as dangerous, to name a few examples.

Expat Life Insurance: what you need to know

Expat Life Insurance is available for Non-UK residents with an insurable interest or financial liability in the UK. Examples of acceptable financial liabilities include a mortgage on a UK property, a dependent spouse and/or young children living in the UK. A UK inheritance tax liability. Being responsible for paying a relative’s UK private school, university or care home fees. Or a UK company that has overseas key persons or shareholders.

If are an expat with financial liability in the UK and have a UK, Channel Islands, Isle of man or Gibraltar bank account to pay the premiums from, we are able to offer products including;

  • Level and decreasing (mortgage) term assurance that provides a lump sum
  • Whole of life insurance with an open-ended term
  • Family income benefit that provides a monthly income in the event of a claim
  • Three different critical illness options to suit various circumstances and budgets

Policies can be for an individual’s own life or indeed the life of another provided the policy owner would suffer a financial loss as a result of the death of the life insured.

How to get expat life insurance

As long as you meet the criteria above, you should generally be able to find expat life insurance cover. So long as the cover you’re applying for is a genuine claim then insurance providers are happy to give expat life insurance. This means that the amount of cover you are applying to receive, should you need to make a claim, matches up with your liabilities in the UK.

When applying for expat life insurance, the underwriting process carried out by the insurance providers is much the same as standard life insurance, including any further questions and/or assessments if you have a pre-existing medical condition.

We’ve used our years of experience to tailor our online quote form to be as easy and efficient for you as possible. It’s as simple as answering a few questions and entering your details, then we’ll provide you with a list of quotes from various insurers for you to choose from. If you’d like any more details or have specific questions regarding getting expat life insurance, our team of insurance experts are on hand to help.

Additional Resources

What happens to my life insurance if I move abroad to live or work?

Here are the answers to a range of questions we’re commonly asked about what happens to your life insurance if you move abroad to live or work.


Find out more

The pros and cons of Critical Illness insurance

Critical Illness cover is designed to provide financial support if you’re diagnosed with a serious illness, so here are the pros and cons associated with it.


Find out more