Life Insurance

Term & whole life insurance protection

Family Protection

Unexpected circumstances and events are a reality of life, and failure to prepare for them can result in an unnecessary financial burden to the people closest to you. For professionals who are living and working outside of their home countries, it is especially crucial to have access to protection that is international, portable and will cover you regardless of where you might reside.
If you are newly married, have just had your first child, or are supporting your family back home, have you thought about how your family would be affected if anything were to happen to you?

Planning Ahead

Life insurance can cover current and future liabilities, such as mortgages, inheritance taxes, the future education costs of your children, as well as ensure your family can maintain their current standard of living in the event of your death.

How Much Cover

Our Advisors will review your existing protection, and advise you on the amount and type of cover you need now and in the future. How much and what type of cover you need will depend on your circumstances. We can advise you on the range of international options available, from the whole of life to term assurance, critical illness, and income protection.

Your Options

As we do need to get some personal information from you, it would be best to talk briefly over the phone or meet in person so we can provide you with information regarding options and quotes that will suit your needs and budget.

Get a Free Financial Checkup

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Frequently Asked Questions

How much life insurance do I need?

How much life cover you need depends on your personal circumstances. If you are the main earner in your family and have young children, your life insurance needs will be much higher. There are many factors that can determine the amount of life cover you need, however areas to consider are how much money your family will require to cover current and future financial obligations, such as your mortgage, future university fees, as well as being able to maintain their current standard of living.

Why should I have private cover when I’m already covered at work?

Many employers will offer life insurance cover to their employees. However, it is often the case that the amount of cover provided by employee plans will not be sufficient to address all your protection needs. Additionally, in many cases the coverage will cease when you leave your company, leaving you potentially unprotected, and depending on your age and health condition, it may be expensive, or very difficult to acquire cover at that time.

What is the difference between term life and whole of life insurance?

Term life insurance will only cover you for a specified period of time, for example 20 years. Once that period ends, cover will end and the policy lapses. Whole of life cover is life insurance for the whole of your life, and so there will be a payout in the future.

Should my spouse also have life insurance cover?

There are many financial pressures on a family after the loss of either parent. The financial strain on a family after the loss of a spouse can be significant, even if the deceased spouse wasn’t working, and in many cases insurance is taken out to cover the cost of care workers for your children so that you can continue to provide for your family.

Why choose an international life insurance policy?

This is ideal for people who may be working overseas or find that they have very mobile careers and want to keep the same insurance policy. For many people it is simply the comfort of being able to access a solution where all the terms and conditions are in English, all the support staff speak English and the cover is offered to you by a well known Fortune 500 company, rather than a local insurance option in a foreign country that will become void when you leave.