Protection That Travels With You
Life and critical illness cover designed for Expats living in Asia. Portable, tax-efficient, and built to pay out regardless of where your next chapter unfolds.
Why Insurance Differs Abroad
If you're a expat national living in Asia, your insurance needs don't fit neatly into any one country's standard offering.
UK policies weren't designed for life abroad. Singapore policies weren't designed with UK estate planning in mind. And offshore policies sound flexible but often come with high costs and lock ins.
Many expats fall into one of three traps:
Holding outdated UK policies that cost more and cover less than they realise
Buying local cover without considering what happens if they return home
Doing nothing because the options feel overwhelming
The right answer isn't obvious but it does exist and I can help you find it.
Life Cover
If the worst happens, would your family be okay financially?
Life cover ensures the people who depend on you are provided for. The mortgage/rent is covered, children’s education funded, lifestyle maintained.
We help you determine the right amount, the right structure, and the right jurisdiction for your policy.
It is not just about having cover it's about having cover that actually pays out when and where it matters.
Critical Illness Cover
A serious illness doesn't just affect your health, it affects your finances.
Time off work, medical costs, family adjustments, and recovery support all come with price tags people rarely anticipates.
Critical illness cover pays a lump sum on diagnosis of specified conditions such as cancer, heart attack, stroke, and others giving you the financial breathing room to focus on getting better or making adjustment to your future lifestyle.
How Much Is Enough?
Most people guess. However there are some better options. Lets work together to figure which works best for you. There are no wrong answer, the goal here is to come to an amount, that is within budget and gets you the coverage you need so that you can sleep well at night.
Income Replacement Method
The income replacement method is one of the simplest and most practical ways to determine how much life insurance you need.
Instead of guessing, you calculate how much income your dependents would lose if you died, then multiply that by the number of years they would need support.
For example, if you earn £200,000 per year and your youngest child won't be financially independent for 15 more years, you'd need approximately £3,000,000 in coverage. You can then allow for any existing savings and debts to arrive at a figure needed to close off the difference between what you need and what you already have covered.
Below is a handy calculator that you can use to understand what you needs are using this technique.
This approach is useful because it is simple, easy to understand and quick to calculate. For some this is the approach to take. The risk however, is that the calculation is simplistic and can result in coverage far more than is ‘needed’, particularly in future years where you assets may have grown and expenses that still need to be covered have reduced or finished.
Expense Method
The expense method takes a different approach: instead of replacing income, you calculate the actual costs your family would need to cover without you.
This includes outstanding debts (mortgage, personal loans, credit cards), ongoing living expenses, education costs, and any final expenses like funeral or legal fees.
For example, if you have a £400,000 mortgage, £50,000 in personal debts, £200,000 earmarked for children's university tuition, and £20,000 for final expenses, you'd need £670,000 minimum in coverage regardless of your income level. You would still need to think about and add on expected living expenses and the impact of inflation.
This method is more in depth: going deeper into your current and future expenses. Anchoring the calculation to specific obligations, help avoids over-insuring (and wasting premium) or under-insuring (and leaving gaps). For those that keep a close eye on their monthly expenses, this method is undoubtedly more accurate.
What to Expect from a Consultation
We have made this simple:
We Listen
Tell us about your life your family, your plans, your concerns. No forms to fill in before we've even spoken.
Just a conversation about what matters to you.
We Assess
We review any existing policies, identify gaps, and evaluate whether your current cover actually does what you think it does.
Many clients are surprised by what they find.
We Recommend
Clear, jargon-free recommendations. If you need cover, we will tell you how much and what type. If you already have enough, we'll tell you that too.
No pressure, no product pushing.
Frequently asked Questions
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Employer coverage is valuable, but it carries a hidden vulnerability: it vanishes the moment you leave the job. Whether due to retirement, a career change, or an unexpected layoff, you lose that protection precisely when you may need it most.
If you find yourself needing personal cover after losing employer benefits, the cost will likely be significantly higher. Since insurance premiums are age-sensitive, delaying means paying more for the same level of protection. The sooner you lock in a price, the better your long-term financial position.
Individual coverage stays with you regardless of your employment status. Securing it now ensures continuity and peace of mind, guaranteeing you remain protected no matter what life brings.
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That's exactly what a consultation covers.
We check the cover amount, currency, beneficiary structure, trust arrangements, and whether the policy aligns with your current life.
Many clients discover policies that may have been appropriate five years ago but no longer fit their circumstances.
Increasingly, new products in the market offer better features and benefits than older version and replacing cover with a policy that better fits you is an option.
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Ironically, being young and healthy is precisely WHY you should consider buying cover now. Premiums are age senstive and normally fixed and locked in at today's rates when you take out cover.
Any period of delay and you are guaranteed to pay more. Develop a health condition between now and then and you may not qualify at all.
Youth and health are negotiating assets you are losing every day you wait. Why not take advantage of them?
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They can, and many are forced to, even when they prefer not to. Particularly those that haven’t done any planning.
Transitioning to single-income household with dependents often means reduced earning capacity, higher childcare costs, and emotional trauma affecting career performance.
Life insurance buys breathing room and gives your spouse time to grieve, adjust, and plan without financial anxiety forcing decisions.
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For most people with dependants or financial commitments, yes.
The lump sum provides breathing room during recovery, covering mortgage payments, helping with medical costs, and family expenses when your income reduces or stops.
The question isn't just whether to have it, but how much and what type.
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A healthy 35 year-old can expect to secure $500,000 in term coverage for roughly $25-40 per month.
That's less than you probably spend streaming subscriptions alone or I do on slow brewed coffee.
The real question is: what's the cost to your family of NOT having it if it becomes needed?
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That's a good instinct, and you absolutely should invest for your future. But that is a different conversation. Investing and insuring are important components of a financial plan but they serve different purposes.
Insurance protects against catastrophic loss you can't recover from. Investing builds wealth you hope to enjoy. They're complementary, not competing strategies.
In fact, securing affordable term coverage while you are young and healthy, frees up more capital to invest over the long term.
When was the last time you reviewed your cover?
If the answer is "never" or "I can't remember," let's fix that. A conversation could save your family from a costly surprise.
Book a complimentary discovery call. No pressure, no product pitches. Only an honest conversation about where you are, where you want to go, and what it would take to get there.