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.
International Protection Overview
Why expats need specialist protection, how international policies differ from UK cover, and what to consider when living abroad.
Personal Accident Insurance: A Guide for the Self-Employed and Active Professionals
Capital benefits for accidental death and permanent disability, temporary income benefit, the relationship to income protection, standalone versus rider, and suitability for high-risk hobbies.
Read guide →Portable Protection for Internationally Mobile Professionals: Bridging Gaps When Moving Country
Most UK protection policies lapse or become unenforceable when you move abroad. International portable products exist — but require specific planning before, not after, departure.
Read guide →Protecting Cryptocurrency and Digital Assets: Insurance and Estate Planning
Billions of pounds of cryptocurrency have been permanently lost because the holders died without leaving accessible keys. Unlike bank accounts, crypto belongs to whoever controls the private keys — and no court order can recover what's gone. Here's how to protect your digital estate.
Read guide →Protection Insurance Review on Divorce: A Guide for Expats
Divorce triggers an urgent need to review every protection policy — from joint life plans and beneficiary nominations to trust arrangements and income protection.
Read guide →Protection Planning Through Life Events: What to Do and When
Each major life event creates a specific set of protection actions — not vague reviews, but concrete steps. This guide provides the actionable protection checklist for internationally mobile individuals at each turning point in life.
Read guide →Protection Planning for Company Directors: The Complete Review
Company directors have more complex protection needs than employees — combining personal life, CI and IP cover with business protection (key person, shareholder, loan protection, and relevant life). This guide brings it all together.
Read guide →Protection Planning for High-Net-Worth Internationally Mobile Investors
High-net-worth individuals are frequently underinsured — wealth creates a false sense of protection while the specific risks and planning opportunities that come with HNW status go unaddressed.
Read guide →Protection Planning for Same-Sex Couples and Civil Partners
Same-sex married couples have identical legal rights to opposite-sex couples in the UK for all financial planning purposes. But for internationally mobile couples, the recognition of that marriage in other countries can vary significantly — and that variation has real financial planning implications.
Read guide →Reviewing Your Protection Policies: When and Why to Reassess Your Cover
A protection policy bought ten years ago may no longer reflect your life. Sum assureds may be inadequate, definitions outdated, beneficiaries wrong, and trusts unregistered. A structured review process is essential.
Read guide →Reviewing and Switching Protection Policies as an Expat
Protection policies are not permanent commitments — but switching them involves real risks that many expats do not anticipate. This guide covers when to review your cover, how to switch providers correctly, what portability issues to watch for, and what happens to cash value on surrender of a unit-linked policy.
Read guide →Reviewing and Updating Your Protection as an Expat
A comprehensive guide to reviewing your life assurance, critical illness, and income protection arrangements at each stage of an international career, including trigger events and what to check.
Read guide →Sudden Wealth and Insurance: Reviewing Protection After a Windfall
A windfall — whether from a lottery, inheritance, business sale, or bonus — fundamentally changes your insurance needs. Most newly wealthy individuals are underinsured in ways that would not have concerned them before.
Read guide →Terrorism Insurance for UK Businesses: Pool Re, NBCI, and What You Need to Know
Pool Re underpins UK terrorism insurance for property damage. Since 2019 it has also extended to non-damage business interruption. This guide explains how the UK terrorism insurance market works and what businesses need.
Read guide →The Expat Protection Checklist: 28 Points Every International Client Should Review
Most expats are either uninsured, under-insured, or carrying policies that will not pay out in their current country of residence. This 28-point checklist covers everything that needs to be in place — life assurance, critical illness, income protection, medical cover, trusts, wills, powers of attorney, and business protection.
Read guide →The Income Replacement Ratio: How Much Income Protection Do You Actually Need?
Most insurers cap income protection at 55–70% of your gross income. But is that the right number for you? The income replacement ratio calculation reveals whether standard limits leave you dangerously underprotected — especially if you live abroad.
Read guide →The Pension Protection Fund: What It Covers and What It Does Not
PPF compensation levels, qualifying insolvency events, levy calculations, PPF investments, what DC pensions and QROPS are not covered, and a comparison with FSCS protection.
Read guide →The UK Protection Gap: How Underinsured Are British Households Really?
The UK protection gap — the difference between what households have in place and what they actually need — runs to hundreds of billions of pounds. This guide examines the data, explains why the gap persists, and sets out what adequately protected looks like for high-net-worth professionals.
Read guide →The UK's Protection Gap: Causes, Consequences, and How to Close It
The UK mortality protection gap is estimated at £2.3 trillion. Most working households are significantly underinsured, relying on state provision that falls far short of maintaining their standard of living.
Read guide →Waiver of Premium Explained: Protecting Your Protection
How waiver of premium benefit works on life insurance and critical illness policies, the definition of incapacity that applies, deferred periods, interaction with income protection, and when adding waiver makes financial sense.
Read guide →Waiver of Premium: The Protection Insurance Feature Most People Ignore
Waiver of premium is a feature or rider that keeps your insurance policy in force if you become incapacitated and cannot pay the premiums. Without it, the policy you need most when you are ill may lapse precisely when you stop earning.
Read guide →Wedding and Event Insurance for HNW: Protecting a Significant Investment
A high-value wedding can represent a £100,000+ financial commitment. This guide explains what wedding and event insurance covers, the limits relevant to HNW couples, and how to avoid common coverage gaps.
Read guide →When to Review Your Protection Cover: Life Events That Trigger a Review
Protection needs change throughout life — the key is knowing which events require an immediate review and what to check at each trigger point.
Read guide →Why Expats Need International Protection Insurance
Most UK policies contain residency conditions that render them void or unclaimable the moment you move abroad. Here is what expats need to know about the real gaps in their cover.
Read guide →Life Assurance
International term and whole-of-life policies — how they work, what they cover, and choosing the right sum assured.
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.