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.
Health Insurance & Specialist HNW Cover
IPMI and health plans, offshore life assurance jurisdictions, and cover for art, yachts, jets and kidnap risk.
Mental Health Coverage in International Health Insurance
How international health insurance policies cover mental health treatment — what is included, how underwriting works, what the limits are, and why mental health cover matters for internationally mobile individuals.
Read guide →Modular IPMI Plans: Building Cover to Match Your Needs
How to use the modular structure of modern international health insurance plans to build exactly the cover you need — and avoid paying for benefits you don't.
Read guide →Offshore Life Insurance Jurisdictions Compared: Isle of Man, Dublin, Channel Islands, and More
Choosing an offshore life insurance policy means choosing a jurisdiction — and not all jurisdictions are equal. This guide compares the Isle of Man, Dublin, Channel Islands, and other centres on regulation, policyholder protection, and the providers operating from each.
Read guide →Personal Umbrella and Excess Liability Insurance for HNW Individuals
Why the liability limits in standard home and motor policies are inadequate for wealthy individuals, and how personal umbrella and excess liability cover fills the gap.
Read guide →Political Risk Insurance for International Investors: Protecting Assets in Emerging Markets
Expropriation, currency restrictions, political violence, and sovereign breach of contract are real risks for investors in emerging markets. This guide explains how political risk insurance protects cross-border capital.
Read guide →Portable Valuables and All-Risks Insurance: A Complete Guide
Worldwide all-risks cover for jewellery, watches, laptops, and other portable valuables — including scheduling requirements, valuation certificates, mysterious disappearance, and international transit protection.
Read guide →Premium Travel Insurance for High-Net-Worth Individuals: Why Standard Policies Fall Short
Standard travel insurance is built for mainstream travellers. HNW individuals need purpose-built policies covering high-value baggage, unlimited medical, private aviation connections, and kidnap risk.
Read guide →Private Jet and Aviation Insurance: What Aircraft Owners Need to Know
Hull insurance, aviation liability, pilot warranty requirements, war exclusions, and the key underwriters: a comprehensive guide for private aircraft owners and operators.
Read guide →Private Medical Insurance vs International Private Medical Insurance: What Expats Need to Know
Standard UK private medical insurance stops at the UK border. For expatriates and internationally mobile professionals, International Private Medical Insurance (IPMI) is the appropriate product — but understanding coverage zones, optional modules, and US cost exposure is essential before choosing a plan.
Read guide →Private Medical Insurance: A Complete Guide for UK Residents and International Clients
Private medical insurance provides access to private hospital treatment, choice of consultant, and faster care. This guide covers the UK PMI market, IPMI for expatriates, moratorium versus full medical underwriting, leading insurers, cancer cover, maternity, and what to expect on a claim.
Read guide →Takaful: Islamic Insurance for Internationally Mobile Muslim Clients
Takaful provides a Shariah-compliant alternative to conventional insurance, based on mutual contribution and shared risk rather than commercial risk transfer. This guide explains how takaful works, which providers operate internationally, and how to approach protection planning as a Muslim client.
Read guide →Yacht and Marine Insurance for High-Net-Worth Individuals: A Complete Guide
From hull and machinery cover to blue-water endorsements and charter liability, this guide explains everything HNW yacht owners need to know about specialist marine insurance.
Read guide →Underwriting & Medical
How international insurers assess risk — full medical underwriting, moratorium, CPME, and navigating pre-existing conditions.
CPME Underwriting Explained: Continuous Personal Medical Exclusions and What They Mean for Your Cover
Continuous Personal Medical Exclusion (CPME) is a form of underwriting used in private medical insurance that permanently excludes pre-existing conditions — unlike moratorium exclusions, which can fall away. Understanding how CPME works, how it differs from other underwriting approaches, and when it applies is essential for anyone managing health insurance strategically.
Read guide →Disclosing Lifestyle Factors on a Life Insurance Application
Failing to disclose alcohol use, drug use, or problematic gambling on a life insurance application is material misrepresentation. This guide explains how insurers handle these disclosures — and why honesty is always the right approach.
Read guide →Getting Life and Health Insurance with Pre-Existing Medical Conditions as an Expat
A pre-existing medical condition doesn't necessarily prevent you from obtaining insurance — but it changes the process significantly. Understanding how insurers assess medical history, which markets are more flexible, and the role of specialist brokers can make the difference between adequate cover and none at all.
Read guide →High-Value Life Assurance Underwriting: What to Expect as an HNW Applicant
A practical guide for high-net-worth individuals applying for large-sum life assurance — covering the medical and financial underwriting process, what insurers assess, and how to prepare.
Read guide →High-Value Life Insurance Underwriting: What High-Net-Worth Expats Need to Know
Underwriting for high-value life insurance — policies of £1 million and above — involves detailed medical and financial scrutiny that differs significantly from standard retail cover. Understanding the process avoids delays and improves outcomes.
Read guide →How Age Affects Life Insurance Premiums: A Practical Guide
Age is the single most predictable factor in life insurance pricing — understanding how it affects premiums helps you make more informed decisions about when and how to arrange cover.
Read guide →Insurance Disclosure Obligations: The Duty of Fair Presentation Explained
Failing to disclose material facts to an insurer can result in a claim being declined or policy being voided — sometimes years after the policy was taken out. This guide explains the duty of fair presentation under the Insurance Act 2015, what constitutes a material fact, and the remedies available to insurers for non-disclosure.
Read guide →Insurance Underwriting for Expats: Medical and Non-Medical Limits
How life and critical illness underwriting works for expatriates, what triggers medical evidence requirements, and how international providers assess country of residence and occupational risk.
Read guide →Life Assurance for Non-Standard Medical Risks: Diabetes, Heart Conditions, and Other Chronic Conditions Abroad
How individuals with diabetes, heart conditions, cancer histories, and other medical conditions can obtain life assurance — including the rating process, available carriers, and strategies for internationally mobile applicants.
Read guide →Life Insurance Underwriting Explained: From Application to Policy
How life insurance underwriting works — financial underwriting, medical evidence, loading types, rated policies, moratorium underwriting for income protection, the contestability period, and the role of reinsurance for large sums.
Read guide →Life Insurance with Pre-Existing Conditions: An Expat Guide
A pre-existing condition does not make life insurance unattainable, but it changes how underwriters assess your application — and what you must disclose.
Read guide →Life and Disability Insurance for Athletes, Sports Professionals, and Entertainers
Professional athletes and entertainers earn most of their income in a narrow window — and face unusually high risks of career-ending injury or illness. Specialist insurance products exist for these situations, but they require bespoke placement rather than off-the-shelf solutions.
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.