Expat Life Insurance

Life doesn’t pause at borders — and neither should your insurance.
For internationally mobile individuals and families, life insurance must be designed to support multijurisdictional wealth, long-term obligations, and succession planning.

At Kingsbury & Partners, we offer a gateway to term and whole-of-life insurance designed specifically for expatriates. Delivered through a panel of regulated advisers and providers, these solutions are structured to protect your legacy, secure your dependants, and provide liquidity in the moments that matter most — wherever life takes you.

What it offers

• Term and whole-of-life options — Cover that adapts to your time horizon, estate structure, and jurisdictional needs
• Serious illness and disability protection — Optional benefits for critical illness, terminal illness, and permanent disability
• Level or reducing cover — Match cover to legacy goals or liabilities such as education, mortgages, or business interests
• Multi-currency policies — Denominated in major currencies to reduce FX risk and align with your broader financial planning
• Transparent and tailored — No off-the-shelf packages. No hidden commissions. Just what’s right for your needs
• Structured for wealth and estate planning — Policies that integrate with trusts, holding companies, and offshore structures
• Portable across regions — Designed for long-term use by residents in the GCC and other key global hubs

Who it’s for

This service is ideal for:

• British expats living across the Gulf, Europe or Asia with UK-linked assets or inheritance tax exposure
• UAE-based entrepreneurs and professionals with dependants, liabilities, or shareholder obligations
• International families managing complex financial arrangements across jurisdictions
• Relocating executives seeking to protect income, education plans, and lifestyle continuity for dependants
• Family offices requiring cover to support succession planning or intergenerational wealth structures

Why clients choose this — and choose us

Most life insurance is sold, not structured. At Kingsbury & Partners, we don’t sell policies — we build long-term strategies. Clients turn to us when they need:

• Aligned advice, not commission-led sales
• Insurance that fits into their estate plan, not outside of it
• Clarity on premium terms, portability, and long-term viability
• Confidence that the adviser, underwriter, and policy all meet the highest regulatory standards

We act as your partner, introducing you only to trusted professionals and providers we’d use ourselves.

Understanding your needs

Life insurance decisions are rarely straightforward — especially when your life, assets, and family span more than one country. Whether you're planning for succession, safeguarding dependants, or simply seeking clarity on your obligations, you want insurance that integrates with your broader strategy — not another product to manage.

At Kingsbury & Partners, we connect clients with professionals who prioritise efficiency, portability, and structure. Our role is to facilitate frictionless access to providers who understand complex financial lives and can deliver solutions that stand the test of time.