Retiring Abroad Can Create Complication
Retiring overseas can bring immense joy — but if you don’t plan properly, it can also bring serious complications for your family when you’re gone:
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Your estate may go through probate in multiple countries, leading to long delays before your loved ones can access anything.
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UK Inheritance Tax (IHT) can still apply — even if you haven’t lived there for years.
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IHT must be paid before probate is granted, which means your family may face a cash shortfall.
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If your assets are property-heavy, then you won't be allowed to liquidate those assets to pay the tax bill.
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Your estate could also be taxed again in the country where you currently live.
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And remember: UK IHT applies to your worldwide assets — not just what’s left back home.
Why Domestic Life Insurance Doesn't Work For Expats
Moved Abroad? Your Life Insurance Might Not Have Followed You
Relocating to a new country changes a lot — and your life insurance might be one of them.
Most Expats Don’t Realise Their Policy Has Stopped Working
Just because your insurer acknowledged your new address…
Does not mean you’re still covered.
In fact, many expats continue paying into policies that will never pay out — simply because their country of residence changed
The Worst Part? You Usually Find Out Too Late
Most people only discover the issue after a claim is made — when it’s too late to fix it.
It’s a hidden risk for:
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UK expats in the UAE
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Freelancers and nomads living abroad
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Retirees with UK-based policies
Ask the Question Now — Before You Need to Claim
Contact your insurer and ask:
“Does this policy still cover me now that I live in [your country]?”
Or better yet — let us show you how to check.
Why Domestic Life Insurance Stops Working When You Move
We’ve already touched on it — but it’s worth repeating:
Most domestic life insurance policies don’t travel well.
Moved Abroad? Your Policy Might Not Come With You
Whether the policy was set up:
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Back home in the UK, or
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In your current country of residence…
The moment you move again — there’s a high chance you’re no longer covered.
This applies to:
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UK expats moving to the UAE, Asia, or Europe
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Freelancers and digital nomads on the move
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Retired couples relocating from country to country
Cover That Moves With You — Wherever You Live
Continuity Matters More Than You Think
You might be thinking:
“If my policy doesn’t cover me anymore, I’ll just get another one.”
Sounds easy. But it’s not always that simple.
Continuity Comes From Portability
As an expat, one thing matters more than you might realise:
Having life insurance that keeps working — even when you move.
Not All Policies Travel With You
Only certain policies offer portable benefits — meaning your cover remains active and valid when you relocate to another country.
Without that?
Your policy may lapse the moment your residency changes.
What If Your Health Has Changed?
Even a minor health event — like having a melanoma removed — can affect your ability to get new cover, or make it much more expensive.
And if you’ve had a more serious condition?
Getting approved could become nearly impossible.
The Bigger Risk? You’ll Put It Off
Most people don’t act right away. Life gets busy.
And months — or even years — pass without protection.
By the time you try to sort it out, it may be:
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Too expensive
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Too late
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Or not available at all
The Fix: Keep Your Cover Continuous
If your current policy doesn’t cover you anymore,
the smartest thing you can do is replace it now — while you’re still insurable.
You Might Not Be Planning to Move — But Life Happens
You may be settled now…
But what if:
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Your job transfers you?
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Family needs pull you elsewhere?
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Visa rules or tax laws change?
Portability means peace of mind — your cover moves with you, no matter what.
Get the Kind of Policy That Goes Where You Go
We specialise in helping expats get cover that adapts to their life abroad — today, and wherever they’re headed next.
Assuming Could Be Your Biggest Mistake Of Their Lives
Get Our FREE"Expat Life Insurance Confirmation Pack"and know for certain that your policy still covers you...
Don't let your family find out by chance!
Protect Your Loved Ones — Even From Abroad
Imagine this:
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Your family has just lost your income
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There are debts to repay
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There are rent or mortgage payments due
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They need to cover school fees, everyday costs, or even flights home
And yet — the policy you paid into… won’t pay out.
No Payout. No Support. No Backup Plan.
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You wanted to protect your partner
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Provide stability for your kids
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Make sure your loved ones could carry on without you
Those reasons didn’t disappear when you moved abroad — and neither should your cover.
The Reasons You Took Out Cover Still Matter
If your life insurance policy fails to pay out your loved ones might:
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Be unable to pay inheritance taxes on the estate
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Struggle to clear probate because of unpaid estate/inheritance taxes
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Be forced to borrow money against the estate to pay the taxes and release it from probate. Resulting in additional expenses and interest costs.
Your Family Could Struggle to Pay Inheritance Tax Bills
It takes minutes to find out if your policy still works.
And it could change everything for the people who matter most.
Check Now. Not When It’s Too Late.
Prepare for Inheritance Tax & Prevent Probate Delays
Life Insurance: The Smartest Estate Planning Tool for Expats
If you’re retiring overseas, life insurance isn’t just about protection — it’s a powerful financial tool for your estate.
Instant Liquidity for Inheritance Tax
Life cover can be used to pay UK inheritance tax immediately — meaning your estate can be released faster, without delays or debt.
Avoid Expensive Bridging Loans
No need for your family to take out high-interest loans just to unlock assets. The payout provides cash when it’s needed most.
Keep the Proceeds Outside Your Estate
When structured properly, the life insurance payout is tax-free and sits outside your estate, so your loved ones can access it quickly and easily.
WHAT CLIENTS SAY
“I thought my UK policy still covered me even as an expat — it didn’t. Advisers Worldwide helped me to spot the problem and sorted it fast. My family is now protected, and I can sleep at night.”
— James, UAE
WHAT CLIENTS SAY
“We didn’t realise how much inheritance tax could affect our UK estate — even after moving to Malaysia. Advisers Worldwide helped us structure everything so our kids won’t have to deal with the legal mess.”
— Margaret & David H., Penang
WHAT CLIENTS SAY
“As a freelancer constantly moving between Asia and Europe, I struggled to find any insurer that understood my lifestyle. Advisers Worldwide gave me flexible cover that moves with me.”
— Alex T., Singapore & Berlin
Over 25 Years Experience Helping Expat
The Top 3 Mistakes Expats Make With Their Life Insurance
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Believing that a change of address confirmation from their insurer means that their life policy still covers them in another country
2
Replacing their policy from back home with another domestic policy from where they currently live instead of using an international policy with global cover
3
Setting up their life insurance policy so that they're the policy owner and also the life assured
What We Add...
We work with international insurance providers so that we can find the best policy that fits with your personal circumstances.
Everything financial product that we use must adhere to three core values. These are Flexibility, Transparency & Portability.
This means that whatever we recommend will adjust to changes in your circumstances. You'll know the exact cost for the cover that's being provided with no nasty surprises. If you move to another country then the cover goes with you meaning there's no risk of you being uninsured.
