Free tool · 7 questions
Protection Needs Assessment
Answer 7 questions about your circumstances and we will identify your protection gaps and recommend the right international cover — life assurance, critical illness, income protection, or universal life.
Where do you currently live?
How this assessment works
Answer 7 questions
Tell us about your location, income, dependants, and existing cover. Takes under two minutes.
We identify your gaps
The tool checks whether your existing cover is internationally valid and flags any shortfalls.
Receive product recommendations
Based on your profile, we highlight the protection products most relevant to your situation.
Book a free review
Our advisers audit your full position, compare the international market, and provide a written recommendation.
Frequently asked questions
What does the Protection Needs Assessment cover?
The assessment asks 7 questions about your location, employment status, financial dependants, existing cover, liabilities, income, and protection priorities. It then identifies your cover gaps and recommends the most suitable international protection products — which may include term life insurance, critical illness cover, income protection, or universal life insurance.
Do I need international life insurance if I live abroad?
In most cases, yes. UK life insurance policies typically include residency conditions and may be void or unenforceable once you have moved abroad. International life insurance policies are written to be portable — they remain valid regardless of where you live, work, or retire. Expats with dependants or significant liabilities should review their cover as a priority.
What is the difference between critical illness cover and income protection?
Critical illness cover pays a tax-free lump sum on diagnosis of a specified serious illness (such as cancer, heart attack, or stroke), which you can use however you choose. Income protection pays a regular monthly benefit — typically up to 70% of your pre-illness income — if you are unable to work due to illness or injury. Many clients benefit from both: the lump sum covers immediate costs, while income protection sustains monthly outgoings over a longer period.
What is universal life insurance and who needs it?
Universal life insurance combines a life assurance component with a tax-efficient savings/investment element. It is most commonly used by high-net-worth individuals and company directors for estate planning — for example, to provide a tax-efficient lump sum on death, fund a trust, or pass wealth to the next generation. It is typically considered by individuals with annual incomes above £250,000 or significant accumulated assets.
Talk to a protection specialist
Our advisers can source competitive international life assurance, critical illness, and income protection — designed for expats and non-residents.