Life Insurance

Life Assurance Online

Life Assurance Online is a site designed to help British Expats obtain a cheap quote for Life Insurance, Critical Illness Insurance, International Medical Insurance, Income Protection Insurance and other insurance products. All requests and information you provide through this site will be dealt with by Face to Face Finance (Anglia) Ltd which is regulated by the Financial Conduct Authority and recorded in the Register under no 439288. They are able to research the whole British Expats life insurance market on your behalf.

This site is intended for British Expats and those intending to become British Expats.

British Expats Life Insurance Quotes

Mortgage Life Insurance - Level and Decreasing Term Life Insurance and Critical Illness
Family Protection Life Insurance - Level Term Life Insurance and Critical Illness Insurance
Business Protection Insurance - Level Term and Whole of Life Insurance for Keyman and Death in Service Benefits

Please select the type of life insurance quote you require using the buttons below.

For Level Term and Decreasing Term Life Insurance and/or Critical Illness Insurance for your mortgage, click here >
For Level Term and Whole of Life Insurance and/or Critical Illness Insurance to protect your family, click here >
For Level Term and Whole of Life Insurance and/or Critical Illness Insurance to protect your business, click here >

Not sure what type of plan you need?

British Expats Life Insurance for mortgages

If you are taking out life insurance for your mortgage you will need either level term life insurance or decreasing term life insurance. The type of plan you need will depend on the type of mortgage you have. If your mortgage is an "interest only" mortgage you will need level term life insurance. If it is a capital repayment mortgage you will need decreasing term life insurance.

An "interest only" mortgage is one where you are only paying the interest on the loan each month and none of the capital. The capital is normally repaid when the mortgage comes to an end by the capital built up in a savings plan. For example an endowment or Individual Savings Account (ISA). You could use a whole of life insurance plan but this could be more expensive.

A capital repayment mortgage is one where you are paying both the interest and some of the capital each month. As time goes by the capital outstanding decreases each month so that when the mortgage comes to an end the original loan has been repaid in full. This assumes of course that regular payments have been maintained throughout the period of the loan.

With a decreasing term life insurance plan the sum insured decreases each year in line with the decreasing debt on your mortgage. At the end of the plan the sum insured reduces to zero and the policy comes to an end without value. You could use a level term life insurance plan which in the event of a claim would normally pay out more than enough capital to repay your loan. Using a level term life insurance plan is however more expensive than a decreasing term life insurance plan.

Both types of plan are catered for on the Mortgage Life Insurance Quote Form including critical illness insurance which can be added as part of the policy. For more information on Mortgage Life Insurance please go to our Information Centre.

British Expats Life Insurance for family protection

If you are taking out life insurance to provide funds for your surviving spouse/partner and dependent children you will need to consider either level term life insurance of whole of life insurance. The plan you choose will depend on what you are trying to achieve. For example, if you want to cover your family up to your retirement you could use a level term life insurance plan set up to run for the number of years you have to go before retirement age. If you want to provide protection for all your life you would use a whole of life insurance plan.

Whole of life insurance plans are available with either guaranteed premiums for life or reviewable premiums. The majority of plans in the UK have reviewable premiums. These are normally lower at the start of the plan than a guaranteed premium policy. As the years go by premiums are increased to reflect your increasing age and can overall be more expensive than a guaranteed premium policy.

The Family Protection Quote Form caters for both level term life insurance and whole of life insurance. It also has the option of being able to add critical illness insurance cover. For more information on Family Protection Life Insurance please go to our Information Centre.

British Expats Life Insurance for business protection

If you need life insurance for your business we provide both level term life insurance and whole of life insurance for keyman or keyperson cover and to provide death in service benefits for employees. For death in service benefits you would use a level term life insurance plan set up to run until the employees normal retirement date. For keyman cover you would normally use a level term life insurance plan but you could also use a whole of life plan.

The Business Life Insurance Quote Form caters for both level term life insurance and whole of life with the option of adding critical illness cover.

British Expats Critical Illness Insurance

All forms give you the option of adding critical illness cover to your life insurance policy. You can also use any of the forms for a critical illness quote only.

This type of insurance is designed to provide you with a capital sum if you survive one of the specified critical illnesses. These plans are normally used to provide funds to pay off your mortgage and/or other loans and to provide funds for convalescence and special health care needs.

The illnesses covered include heart attack, cancer, major organ transplant, Alzheimer's disease, stroke and many others. Most insurers will cover a similar list of critical illnesses since the core illnesses covered are agreed through the Association of British Insurers (ABI).

Please note that the information given above is intended only as a general guide and is not intended as giving advice under the Financial Markets and Services Act 2000. If you are unsure of the type of plan you require for your needs or the amount you should insure you should consult an Independent Financial Adviser. You can contact Face to Face Finance (Anglia) Ltd., Independent Financial Advisers on +44 (0)1603 625100.

We hope you have found the above information useful. If you would like us to add further information which you think should be here please use our Feedback Form.

For Level Term and Decreasing Term Life Insurance and/or Critical Illness Insurance for your mortgage, click here >
For Level Term and Whole of Life Insurance and/or Critical Illness Insurance to protect your family,click here >
For Level Term and Whole of Life Insurance and/or Critical Illness Insurance to protect your business, click here >

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