Life Insurance for Expats Living Abroad

Cover 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 dependant spouse and/or young children living in the UK. A UK inheritance tax liability. Being responsible for paying a relatives 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 as well as 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.



It takes only around 30 seconds for I’m Insured to provide you premium quotes from a range of insurers. When you check out the list, you’ll also notice that with most quotes you’ll get a cashback reward for taking out the policy, usually worth 20 percent of your first year’s premium. As always with I’m Insured, you can check out the full policy terms and conditions before clicking through to buy.

Normally we’ll say you pay the insurer’s exact premium with no hidden fees, but that’s not the case here. No, believe it or not, you’ll often pay *less* than the insurer’s standard premium for your chosen policy. That’s because insurers pay a commission to comparison websites, but we intentionally take a lower commission than the standard rate, meaning you get a discount on the premium.

There are a few key legal points to remember when taking out level term life insurance. It’s neither a savings scheme nor an investment. The policy doesn’t pay out unless you die during the term; you can’t get your premiums back, and there’s no payout if you are alive at the end of the term. If you don’t keep up the premium payments during the policy term, the cover will be void.

While our price comparison is suitable for most applicants, please do get in touch with us for a personally tailored quote or consultation if you have specialist needs. A key example of this is if you have a serious pre-existing medical conditioning. Most insurers require you to declare this in advance and it could affect not just the premium prices, but also which insurer works out the best deal. Just click the “Talk to us” button on any page of the site.

We can also help with putting your policy into trust. That means you can nominate somebody to look after the money if you die and there’s a payout before you want the intended recipient to get the money. A common example is parents who want to have the payout go to a child only once the child turns 18 or 21. Putting a policy into trust also ensures that the payout goes to your intended recipient and can’t be seized by creditors if you have any debts when you die. There may also be tax benefits to putting a policy into trust.