Insurance & Protection
Life, critical illness, income protection and key-person cover arranged for expats and families living across borders.
Insurance is the part of a financial plan that only matters once — and only if it was set up properly beforehand. For families living across borders, the usual problem is a policy from home that stops paying, stops being valid, or can't be kept up after a move — leaving the family uninsured exactly when the plan assumed they were covered.
We arrange international life, critical illness, income protection and medical cover that moves with you between countries, plus business cover: key-person, shareholder and partnership protection for owner-run businesses.
Where cover is there to pay a future tax bill or buy out a business partner, it's written in trust or owned by the right structure, so the money is paid outside the estate and reaches the right people quickly. How much cover you need comes from the modelling, not from a sales target.
What we do for you
- Cover that moves with you
- Protection for key people and business partners
- Policies held in trust where it helps
Who usually uses this
- Expats whose policies from home won't move with them
- Business owners needing key-person or shareholder cover
- Families using insurance to pay an expected inheritance tax bill
- Single earners supporting family in another country
One team, step by step, from the first call to handing it over.
Dependants, debts, how long income needs replacing, and any known future tax bills, worked out.
Type, length, currency, amount and who owns the policy decided before we approach any insurer.
Cover sourced from across the international insurance market, with underwriting and medicals handled for you.
Trust or structure ownership written up, beneficiaries recorded, and cover reviewed as your life changes.
What you receive.
Every engagement closes with a specialist-reviewed handover pack — retained on file for thirty years.
- An analysis of what cover you need
- A recommendation with amounts and reasons
- Quotes compared from across the market
- Trust or structure ownership paperwork
- A list of beneficiaries and regular reviews
The countries we most often use for this service.
Questions we hear on every intake call.
- Will my existing policy still pay if I move abroad?
- Not always. Many policies from home have limits on where you live, travel or work. We check the wording of what you already have before recommending anything new.
- Why put a policy in trust?
- Money paid into a trust is generally outside your estate, avoids probate delays and reaches your family quickly — which matters most when the payout is meant to pay a tax bill.
- How is insurance advice paid for?
- Insurance is part of the wealth-management work, paid through the products. Product charges and any intermediary payments are set out in writing before anything is arranged.
- What is key-person cover?
- Cover owned by a company on someone whose loss would seriously harm it, paying the business money to recruit, cover lost profit or repay loans.
Start with a twenty-minute call. Come away with a written plan and price.
Every engagement begins with our advisory team and is assigned to the relevant specialists. Fees are quoted in writing before any work begins. No hourly billing.
More on wealth & related work
Personalised Wealth Strategies
One joined-up plan across every country you hold assets in — your goals first, products last, reviewed as your life changes.
Asset & Portfolio Management
Investment portfolios run by independent managers, either for you or with your sign-off — in several currencies, with all costs and any adviser payments disclosed.
Retirement Planning
Retirement planning for people whose pensions, employers and tax residence are spread across several countries.
Every engagement begins with a twenty-minute advisory call. The fee is in writing before any work begins. No hourly billing.