International Protection
Protection Insurance Guides
In-depth guides on international life assurance, critical illness, income protection and universal life insurance — covering how policies work, how underwriting differs for expats, tax treatment, and how to choose the right provider.
Tax Treatment
IHT planning with offshore life assurance, trust wrappers, and the UK tax treatment of payouts from international policies.
Relevant Life Plan vs Group Life: Tax Comparison for Directors
A detailed tax-focused comparison of relevant life plans and group life assurance for company directors — including P11D treatment, corporation tax deductions, inheritance tax implications, and international considerations.
Read guide →Relevant Life Plans: A Detailed Guide for Company Directors
A relevant life plan allows a company to fund life insurance for a director or employee in a highly tax-efficient way. This detailed guide explains the mechanics, tax treatment, trust structure, and how it compares to registered group life insurance.
Read guide →Tax Treatment of Offshore Life Assurance for UK Expats
Understanding how HMRC taxes offshore life assurance is essential for UK expats. The rules governing payouts, chargeable events, and trust structures can mean the difference between a tax-free death benefit and an unexpected liability.
Read guide →Tax Treatment of Offshore Life Insurance with an Investment Element
Offshore life policies with an investment element offer genuine tax advantages, but the rules governing chargeable events, assignments, and trust ownership are complex.
Read guide →Tax Treatment of Protection Insurance in the UK: Personal and Business Policies
A comprehensive guide to how HMRC taxes UK protection insurance — covering premium deductibility, P11D implications, death benefit tax treatment, CI lump sum taxation, income protection benefit taxation, and business protection tax rules.
Read guide →The Surplus Income IHT Exemption and Life Insurance: A Powerful Planning Tool
Regular premium life insurance payments can qualify as gifts from surplus income — immediately exempt from inheritance tax with no seven-year waiting period — provided conditions are met and properly documented.
Read guide →Trust Structures for Offshore Protection Policies: A Technical Guide
Writing an offshore life policy into trust is one of the most effective steps in both estate planning and protection structuring. Understanding the trust types and their implications is essential.
Read guide →Using Protection Insurance in Charitable Giving and Legacy Planning
Life insurance can substantially amplify charitable legacy giving — either by funding a larger gift on death than would be possible from assets alone, or by using the 10% charitable legacy reduction to make an IHT-efficient gift that partially funds itself through tax savings.
Read guide →When Are Life Insurance Premiums Tax-Deductible? A Guide for Business Owners
Relevant life policies, keyman insurance, group life through trust, personal premiums that are not deductible, and overseas tax treatment for internationally mobile professionals.
Read guide →Writing Life Insurance in Trust: A Complete Guide to Trusts, IHT, and Beneficiary Planning
Writing a life insurance policy in trust keeps the payout outside your estate, saves inheritance tax, and speeds up payment to beneficiaries. This guide explains the different trust types, settlor considerations, trustee duties, and how to choose the right structure for your circumstances.
Read guide →Business Protection
Keyman insurance, relevant life policies, shareholder protection, employer group risk schemes and commercial liability cover.
Business Interruption Insurance: Coverage, Indemnity Periods, and the COVID Lessons
Business interruption insurance explained — indemnity periods, gross profit versus gross revenue basis, material damage proviso, non-damage BI extensions, and the implications of the FCA test case for policy buyers.
Read guide →Business Loan Protection Insurance: Covering Debt on Death or Illness
Business loan protection ensures that commercial debt, overdrafts, and personally guaranteed bank borrowing can be repaid if an owner or key director dies or becomes critically ill — protecting the family home and the business.
Read guide →Business Loan Protection Insurance: Protecting the Business Against Director Death and Debt
Most business loans and commercial mortgages are personally guaranteed by directors. If a guaranteeing director dies without loan protection in place, the bank can call in the debt immediately — potentially destroying a solvent business. Here is how to protect against it.
Read guide →Business Loan Protection for Internationally Operating Companies
How internationally operating businesses can protect corporate debt obligations through life and critical illness cover, and what lenders in multiple jurisdictions typically require.
Read guide →Business Overhead Expense (BOE) Insurance for Self-Employed Expats
How business overhead expense insurance works for self-employed and sole-trader expats — covering what it pays, how it differs from personal income protection, and the international structuring considerations.
Read guide →Business Protection and Intellectual Property: Safeguarding Your Most Valuable Assets
Many modern businesses are built primarily on intellectual property — client relationships, software, patents, and know-how. Standard business insurance rarely accounts for this. Understanding the intersection of IP value and business protection insurance is essential for entrepreneurs and knowledge-based businesses.
Read guide →Corporate IPMI: Employee Health Insurance for International Businesses
A guide for international business owners and HR managers to corporate IPMI — designing, placing, and managing employee health insurance for internationally mobile or globally dispersed workforces.
Read guide →Creditor Insurance for International Business Loans
How creditor insurance works for internationally mobile business borrowers — protecting business loans, mortgages, and credit facilities against death, disability, and critical illness, with key considerations for cross-border structures.
Read guide →Cross-Option Agreements and Buy-Sell Agreements: Mechanics, Drafting, and Interaction with Life Assurance
A practical guide to how cross-option and buy-sell agreements work alongside shareholder protection insurance, the deed drafting requirements, and why the structure matters for international business owners.
Read guide →Cross-Option Agreements and Shareholder Protection Insurance Explained
How cross-option agreements work alongside shareholder protection insurance, why they avoid CGT and IHT complications that arise from automatic buy-sell agreements, and how business property relief interacts with share purchase on death.
Read guide →Cyber Insurance for HNW Individuals and Families
Wealthy individuals are disproportionately targeted by cyber criminals. Cyber insurance for HNW families covers wire fraud, ransomware, identity restoration, and reputational damage — increasingly important as digital exposure grows.
Read guide →Cyber Liability Insurance for Businesses: A Practical Guide
First-party and third-party cyber cover explained — ransomware, GDPR data breach costs, IT forensics, crisis communications, and how the market has changed since the ransomware surge of the early 2020s.
Read guide →Death in Service Insurance: A Complete Guide for Employers and Employees
Death in service insurance — also called group life insurance — is one of the most valued employee benefits, providing a tax-free lump sum to an employee's family if they die while employed. For international employers, structuring cover for employees in multiple countries adds complexity that requires specialist advice.
Read guide →Designing a Global Employee Benefits Strategy for International Workforces
A strategic guide to designing and implementing employee benefits programmes for businesses employing people across multiple countries, covering compliance, competitiveness, and cost management.
Read guide →Free protection review
Our advisers compare the whole market to find the right international cover for your situation — life assurance, critical illness, income protection, or universal life.