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Live in Gibraltar, Isle of Man, or the Channel Islands? Here’s good news…

Live in Gibraltar, Isle of Man, or the Channel Islands? Here’s good news…

Jun 3, 2021

As experts in life insurance for people who live in the Isle of Man and the Channel Islands, we often come across the same misconception. Customers often believe that, if you live on one of these islands that make up part of the UK, getting life insurance is tough.

There tends to be two common beliefs:

  • If you live on one of these islands, you are greatly restricted in the number of insurance providers you can choose from when arranging your personal protection.
  • You have to use the services of a specialist, local broker if you want to arrange your insurance.

The truth is that you do have a choice of insurers, and that you don’t have to use a local broker to find the cover you need. We specialise in helping people in the Isle of Man, Jersey, and Guernsey to get the right cover at the right price – and now we can also help you if you live in the UK side of Gibraltar.

Read on to find out more about how you can get the cover you need.


Why life insurance is so important

What would your spouse, partner, family, or business do if you were no longer around? Would your family be able to afford to live in your home? Could your loved ones maintain their lifestyle if you passed away?

Putting the right life insurance in place gives you the peace of mind that those closest to you will be financially supported if the worst happens. Cover is often cheaper than you might expect and is easy to arrange.

If you want the reassurance of a financial safety net we can help – especially if you’re in the Isle of Man, Channel Islands, or Gibraltar.


Channel Islands and Isle of Man life insurance – how we can help

It is the case that there are some insurance companies who do not cover places such as the Channel Islands or the Isle of Man. However, they are more the exception rather than the rule.

It’s important to note that you do not need to use a local specialist to get the protection you need. An island-based broker may tell you that, if you go elsewhere for your cover, you’ll end up paying more than if you were elsewhere in the UK. They may also suggest that you can only get insurance as an Isle of Man or Channel Islands resident through a broker based on the islands.

Neither of these things should necessarily be true. We have wide experience of working with customers on the Isle of Man and Channel Islands to arrange appropriate life insurance or other protection.

Firstly, our experts will give you a breakdown of all the insurers who will cover the geographical area you live in. This saves you time, as you don’t have to go through the application process for cover, only to be later told that a provider won’t cover you based on where you live.

Then, we will listen to what it is you are trying to achieve and provide you with a range of options. You’ll benefit from our discounted premiums so that you get some of the best prices available in the market.

Finally, it’s over to you to decide, in your own time, which of the options is right for you. We’ll the help you set up the cover, guiding you through the application process by completing the health and lifestyle questionnaires as well as explaining all the trust options available from your chosen provider.


Wider choice of Isle of Man and Channel Islands life insurance

We have wide experience of helping customers in the Isle of Man and Channel Islands to get the right life insurance for their needs.

Now, thanks to a new provider opening up their cover to customers in these locations, we can offer an even wider choice of protection.

AIG, the American finance and insurance corporation, has now made their protection range available via to UK-based brokers like us. With other providers such as Royal London and Aviva already offering protection to people living in the islands of the UK, this means there is now a wider choice of insurers we can speak to on your behalf.

The benefits to you include:

  • A wider choice of policies
  • More underwriting flexibility, as each insurer treats applications differently. This increases your chances of getting the cover you need, even if you have perhaps experienced previous health problems
  • Competition on price.

If you are in the Isle of Man or Channel Islands, and you want to explore your life insurance options, please get in touch.


Gibraltar life insurance

As well as offering a wide choice of protection products to customers in the Channel Islands and Isle of Man, we can now also offer life insurance if you live in the UK side of Gibraltar.

For the first time, we can now offer a range of protection products from household names such as AIG and Aviva to Gibraltar residents.

So, if you live in the UK side of Gibraltar and you want to take out cover with AIG or Aviva, it’s now the exact same process and accessibility as if you were a UK, Isle of Man or Channel Islands resident.

Again, if you’re looking for Gibraltar life insurance, please get in touch with our experts.


We can help you with Isle of Man, Channel Islands, and Gibraltar life insurance

If you’re a resident of the Isle of Man, the Channel Islands, or Gibraltar, it’s important not to assume that you’re greatly restricted in your choice of life insurance providers just because of where you live.

Additionally, you don’t have to spend hours checking which providers offer cover in your location. You also don’t have to pay inflated prices charged by local specialists who tell you that you have to use a broker on the island rather than the mainland.

We have access to a wide choice of insurers and protection products.

  • We specialise in covering residents of Jersey, Guernsey, the Isle of Man and now the UK side of Gibraltar
  • We deliberately take a lower commission from insurers so we can discount your premiums. This makes it cheaper than going direct
  • You’ll benefit from a wide selection of suitable policies that provide the cover you need
  • You’ll get an honest, independent breakdown of all the insurers available to you
  • You can head online and get an instant quote for the cover you need
  • Speak to one of our dedicated account managers who have experience in helping clients in your location
  • Help with the application process. We’ll guide you every step of the way until your protection is in place.

Living in the Isle of Man, Jersey, or Guernsey doesn’t significantly restrict your life insurance choices and it shouldn’t make it more difficult and expensive for you to get the protection that you need.

Don’t waste your time looking for cover with insurers that don’t deal with local residents, and don’t pay more than you have to by using a specialist “local” broker.

Get in touch with I’m Insured today.



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