Events in recent years such as the World Trade Centre disaster, the Tsunami in Asia and a multitude of bad news has highlighted the susceptibility of anyone to end up losing their lives unexpectedly. This is without even thinking about day-to-day eventualities that Expatriates expose themselves to far more than the average non-expatriate – such as frequent flights, lower standards of road safety to name but a few.

There is nothing worse than someone just losing their life, than their family having their income and lifestyle changed dramatically - or even worse, plunged into chaos because forethought and care was not taken in planning for these unexpected moments.

Our Advisors offer two types of life insurance, Term Insurance and Whole of Life.

Whole-of-life insurance, as opposed to term insurance, lasts throughout your life so that your dependants are guaranteed a payout. Not surprisingly it can cost substantially more than term insurance.

Most whole-of-life policies are issued on a "with profits" basis - that means you share in the profits made by the insurance company. These are usually added to the policy in the form of bonuses.

Careful discussion with our Advisors is wise when considering whole of life policies: they can be attractive because they give you life cover and they have a surrender value at any time - but to access the surrender value you will have to cancel the policy which means that the cover will cease.

Term insurance is effected whereby you select the term of cover at the outset, thus allowing you to choose the level of cover and period that you will be covered – term insurance provides no encashment value at any time, just the payment on death.

Feel free to also take advantage of our Life Insurance Needs calculator by clicking Here.

Our Advisors can provide quotations for life insurance upon request. If you would like to find out more about our Life Insurance packages, feel free to Contact Us and an Advisor will be in contact with you within 24 hours.