Inheritance Tax (IHT) cover protects you on assets owned in the UK by overseas companies.

We can offer advice and cover to protect you from any tax you may face.

We’re so confident we can find you exatly what it is that you need.

Get your free, no-obligation quote to find out how IHT Cover can help you prepare for your future – it only takes a minute!

Property Value

£500,000 - £999,999

£1m - £1,999,999

£2m - £4,999,999

£5m - £9,999,999

£10m - £19,999,999

More than £20m

Annual charge

£3,500

£7,050

£23,550

£54,950

£110,100

£220,350

What about Critical Illness Cover for expats?

We are also able to help many British expats find Critical Illness Cover.

This can be included with Life Cover and is typically no more expensive than Critical Illness Cover on its own.

What if you have a pre-existing health condition?

If you have a pre-existing health condition, it’s generally more difficult (or impossible) to obtain Critical Illness Cover. It’s still worth asking us though – we promise to do our best!





What is IHT Cover?

Changes brought into effect in April 2017 saw new tax rules for non-UK domiciles facing inheritance tax (IHT) liabilities on assets owned in the UK. This includes residential properties owned by a company or trust, sometimes referred to as ‘enveloped dwellings’. In addition to paying IHT liabilities, enveloped dwellings are also liable for ATED (Annual Tax on Enveloped Dwellings).





Option 1 Sell the property

You could choose to sell the property as a way of removing your IHT liability, however, this still means you pay the Capital Gains Tax (CGT) and Corporation Tax in addition to ATED. It could be more cost-effective and simpler for you to keep the property and pay for IHT cover?





Option 2 Gift the property

Gifting your enveloped property could be a viable solution, however this would also trigger ATED-related CGT and Corporation Tax. On the other hand, depending on whom you gift the property, there is a possible exemption of IHT on the transfer of the property.





Option 3 Keep the property

If you choose to keep the property, you may wish to consider removing the property from envelope as this may remove the need to pay ATED, however it could be quite costly to transfer the property out of the envelope and leaves IHT liability in place. Either way, IHT cover required.

Why Choose Us?

Finding an expat life insurance policy to meet your requirements can be quite challenging as. With many providers unable to offer critical illness cover or UK Inheritance Tax cover, as well as many international providers and brokers charging annual renewal fees, the costs associated with the premium can quickly add up. That’s why we work with providers who are able to offer UK life insurance for expats at UK rates.

Don’t overpay for
Life Insurance as an Expat
.
Fast, free, no obligation quote
.
Fixed, guaranteed premiums
for the term
.
Easy online application,
no paperwork

Read What Our British Expat Clients Say About Us

“Thank you so much for helping me sort out my life Insurance! I was already more than happy with the service received during my mortgage process, but I was astonished my £150,000 mortgage is covered at £10 a month. I was surprised I could even get critical illness cover cheap too!”

– M.F. Dubai

Expat Life Quote
5
2017-07-19T10:13:15+00:00

– M.F. Dubai

“Thank you so much for helping me sort out my life Insurance! I was already more than happy with the service received during my mortgage process, but I was astonished my £150,000 mortgage is covered at £10 a month. I was surprised I could even get critical illness cover cheap too!”
“I cancelled my previous policy that I took out with an offshore IFA group after receiving my quote from Liquid Expat. I’m now saving £500 a year and am delighted by the service I received. I’ll certainly be recommending you to my friends!”

– S.N. Spain

Expat Life Quote
5
2017-07-19T10:26:00+00:00

– S.N. Spain

“I cancelled my previous policy that I took out with an offshore IFA group after receiving my quote from Liquid Expat. I’m now saving £500 a year and am delighted by the service I received. I’ll certainly be recommending you to my friends!”
“As an expat, I’ve found it quite difficult to take out affordable life assurance. I was passed on Liquid’s details by a colleague who advised me that they can quote for life assurance. I filled out an online quote form and was really pleased when I received my life assurance quote, which is saving me £40 a month!”

– D.S. Qatar

Expat Life Quote
5
2017-07-19T10:26:37+00:00

– D.S. Qatar

“As an expat, I’ve found it quite difficult to take out affordable life assurance. I was passed on Liquid’s details by a colleague who advised me that they can quote for life assurance. I filled out an online quote form and was really pleased when I received my life assurance quote, which is saving me £40 a month!”
As an expat it is incredibly refreshing to speak with such a professional agent as Kath- she is a diamond!- there is no flannel, no hidden agenda - if it is not the right product for you options are given but advice is also given appropriate to your circumstance. To not be pressured or hassled, to be sent documentation and recommendations to peruse at your convenience, to be telephoned on schedule is surely something everyone away from home needs!
Thanks so much Kath for your time and professionalism and frankness- you truly are a diamond!

C.Q- Dubai
Expat Life Quote
5
2017-10-27T14:06:25+00:00
As an expat it is incredibly refreshing to speak with such a professional agent as Kath- she is a diamond!- there is no flannel, no hidden agenda - if it is not the right product for you options are given but advice is also given appropriate to your circumstance. To not be pressured or hassled, to be sent documentation and recommendations to peruse at your convenience, to be telephoned on schedule is surely something everyone away from home needs! Thanks so much Kath for your time and professionalism and frankness- you truly are a diamond! C.Q- Dubai
5
4
Expat Life Quote

Act Fast To Start Protecting Your Loved Ones!

Life insurance rates are closely related to your age. The sooner you apply, the better price you get!