Finding a suitable insurance to protect your family while living and working abroad can be hard.

We are experts in finding Life Insurance or Critical Illness Cover most suited to your needs.

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 much you could be saving on expat life insurance- it only takes a minute!

It’s now possible for many British expats to apply for:

• Level Life Cover for up to 40 years or more
• Decreasing Life Cover for up to 40 years or more
• Whole of Life Cover

Are there any special requirements for applying for this new type of Life Cover for expats?

You’ll need to have at least one of the following:

• A mortgage in the UK
• OR a potential inheritance tax liability in the UK
• OR ownership of a business registered & based in the UK.
• OR financially dependent family members living in the UK, for example, your spouse or partner, your children, or an older relative (if you are financially helping them).
• If you don’t meet any of the above criteria, we may still be able to help you arrange a 10-year fixed term policy.

Age Product Amount Term Of Plan - Years Premium - Per Month
30 LEVEL TERM 150000 30 8.37
30 LOECIC 100000 30 32.22
35 LEVEL TERM 250000 20 12.96
35 LOECIC 100000 20 35.14
40 LEVEL TERM 300000 20 22.23
40 LOECIC 100000 20 54.45
45 LEVEL TERM 350000 15 33.87
45 LOECIC 100000 10 62.21

*Premiums correct as at 27/10/2017. All prices based on a non-smoker.

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!

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What Is Life Insurance?

A term life insurance policy is the most basic form of life insurance and is often an inexpensive way to insure your life. It covers you for a fixed period and pays out a one-off lump sum if the unspeakable happens during the policy term.

With some term insurance policies, you can add additional options, for instance, critical illness cover. If you do add on critical illness cover, the plan will pay out once on diagnosis of a qualifying critical illness or if you pass away during the term of the policy.

Who Is It For?

This type of cover is designed for those who want to leave a lump sum in the event of their death within a specified time whilst keeping the cost to a minimum. Term assurance can protect your family from the financial implications of a personal tragedy and is particularly important if you have young children or dependents. It can be used to cover a mortgage, other loan or to ensure that your family is protected from the effects of having to repay a debt after the main breadwinner has passed away.

The plan will have no cash in value at any time and will cease at the end of the term. If premiums are not maintained, the cover will lapse.

 
Level Term Life Insurance

You choose the amount to be paid out, which remains fixed throughout the length of your policy unless you change it. Although it can help cover an interest-only mortgage, your family can use the lump sum however they wish.

Decreasing Term Life Insurance

This policy covers a repayment mortgage, so your cover reduces as your repayment mortgage decreases. Although it’s designed to help repay a capital and interest mortgage, your family can use the decreasing sum as they wish.

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

5.0
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

5.0
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

5.0
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
5.0
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
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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!