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Life Cover
The most valuable asset you have is not your house, your boat or your car, it’s actually yourself and your ability to generate income to meet your financial obligations and the ongoing welfare and aspirations of your family.
Unless you have build up a substantial enough Investment Portfolio or cash fund to cover all possible future requirements for your dependants then you should consider life cover as an absolute priority and the sooner you put this in place, the cheaper it will be. You will be able to relax in the knowledge that your family and other dependants will have the money they need if the unfortunate were to happen.
At Unity Financial Partners, we specialise in sourcing the best life cover for our clients own unique needs and ambition. As an Expatriate, you must ensure that any cover put in place is valid not only in your current country of residence but also in any of the countries you are likely to live in during your working life. You should check if any existing life cover you took out back home will actually pay out if a claim is made in a different country as you may be paying for cover which is not valid in your current country of residence.
There are many different types of life cover such as:-
- Level Term Cover: A fixed premium for a specified term with no investment content. Low cost and a guarantee that premiums will not increase during your period of cover.
- Renewable Term Cover: Similar to Level Term Cover except that the cover is automatically renewed either annually or every 5 years and premiums increase with each renewal. Useful for short term cover to fund an ongoing financial commitment.
- Whole of Life Cover: More expensive than term cover but the assurance that a payout will be made regardless of any fixed term. Normally contains an investment element and if the policy is surrendered then there will still be a cash value. Useful also for Estate planning if set up on a joint life second death basis.
- Unit Linked Cover: Provides a combination of Investment and Insurance. The amount of insurance can be increased or decreased. Provides a guaranteed sum assured plus investment growth. Useful for event planning or paying down a mortgage.
We have the knowledge and expertise to recommend the most suitable life cover for you and your family’s own unique needs and ambitions. We only choose providers which meet our very strict criteria for financial strength and have a strong claims record.
Put us to the test and contact us today
To find out how you can ensure that your family have the protection they deserve, please contact us today, entirely without obligation.
You may find it helpful to complete our Online Life Cover Quote which you can go to by clicking on the link at the bottom of this page. This is designed to give you some quick feedback on the costs and types of cover that would suit you best.
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1. No need to buy an Annuity
2. Income paid gross
3. No tax charge on passing assets to Beneficiaries.
more than the surrender value paid by the bank or insurance company who sold you the policy.
Perhaps you need access to cash or would like to look at more suitable investment options.
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