Global Life Insurance
Life insurance structured for international families, professionals and long-term financial security.
Global Life Insurance
Structured protection for internationally mobile families and professionals
Whether you are supporting dependants across borders, protecting UK or overseas property, or planning for long-term wealth transfer, the right life insurance provides certainty in an increasingly global world.
Global Life Insurance is not simply about a payout. It is about ensuring your family, business interests and estate remain financially secure regardless of where life takes you.
We focus on understanding your residency position, income structure and long-term plans, building cover that aligns with international careers, cross-border assets and evolving responsibilities.
Why Global Life Insurance Matters for International Families and Professionals
International Family Protection (Level Life Cover)
Financial certainty across borders
Level Life Cover provides a guaranteed payout to protect dependants, wherever they reside. It safeguards household stability, education planning and long-term commitments across multiple jurisdictions.
We structure cover to reflect international residency, currency exposure and cross-border estate considerations.
Mortgage & Property Protection
Protecting UK and overseas property interests
Life cover can be aligned to repayment or interest-only mortgages, ensuring property liabilities are cleared without placing financial strain on your family.
Whether securing a UK residence or international real estate, we align cover with your lending structure and long-term plans.
Whole of Life for Estate Planning
Supporting inheritance and wealth transfer strategy
Whole of Life policies can provide guaranteed liquidity on death, often used to support inheritance tax planning or structured wealth transfer.
When written in trust, proceeds can bypass the estate and provide immediate access to funds where needed.
Critical Illness & Income Protection Options
Protecting earnings and financial continuity
Life cover can be combined with Critical Illness or Income Protection to safeguard your earning capacity during serious illness or incapacity.
For globally mobile professionals and high earners, protecting income is often as important as protecting capital.
Clarity in Advice
Structured Planning
Long-Term Partnership
Why Global Life Insurance with London FS?
Global life insurance should feel structured, internationally aware and aligned with your long-term financial strategy — not driven by generic policy comparisons.
We design protection solutions around your residency position, income structure, estate planning objectives and cross-border responsibilities, ensuring every decision supports clarity, security and continuity for those who depend on you.
Complex Income Expertise
Discreet & Efficient
Strategic Estate Insight
Who Benefits from Global Life Insurance
International Professionals & Expat Families
Business Owners & Company Directors
High Earners & Growing Families
Another Project, completed and with Amar’s help we got it over the line! Amar always goes over and above to get the job done, and I come with many issues 
we spoke so much he must of thought he was a full-time employee of mine. (sorry) Next one will be simple 
I have already recommended him and London FS- Property Finance to others, highly recommended and 5 star service. Thank you.
Protect What Secures Your Family and Global Future
Ensure your income, property and long-term plans are protected with structured global life insurance tailored to your residency status, financial commitments and estate objectives.
Speak with our specialists today to put clarity, continuity and financial security in place — wherever life takes you.
Our Protection Services
Our protection services are designed to safeguard your income, assets, family and business interests against life’s uncertainties. We provide clear, structured advice across personal and business protection — ensuring financial stability, continuity and long-term peace of mind.
Latest Financial News & Blogs
Useful Financial Tools & Calculator
Common FAQ’s on Global Life Insurance for International Professionals & Families
Can I take out UK life insurance if I am not a UK citizen?
Yes. Many providers offer cover to non-UK citizens, subject to residency status, visa position and underwriting criteria. Placement depends more on stability and financial profile than nationality.
Can my beneficiaries live overseas?
Yes. Life insurance proceeds can be paid to beneficiaries residing abroad. It is important to structure the policy correctly, particularly where cross-border tax or estate considerations apply.
Should my life insurance policy be written in trust?
In many cases, yes. Writing a policy in trust can help ensure the payout does not form part of your estate, which may reduce inheritance tax exposure and speed up access to funds.
Can life insurance be used for inheritance tax planning?
Yes. Whole of Life policies are often used to create liquidity to meet potential inheritance tax liabilities, helping preserve property and investment assets for future generations.
Can I include critical illness cover with my life policy?
Yes. Many providers allow Critical Illness Cover to be added, paying a lump sum if you are diagnosed with a qualifying serious condition during the policy term.
How much life insurance cover do I need?
Cover is typically based on outstanding liabilities, dependants’ living costs, future commitments and income replacement. A common starting point is a multiple of annual income, adjusted for inflation and long-term goals.
Does residency or relocation affect my policy?
It can. Moving countries may affect underwriting, taxation or servicing. It is important to structure cover with flexibility in mind if international relocation is likely.
What is the difference between Level Term and Decreasing Term cover?
Level Term cover pays a fixed sum throughout the policy term and is often used for family protection or interest-only mortgages. Decreasing Term cover reduces over time and is typically aligned with repayment mortgages.
Are premiums guaranteed or can they increase?
Policies may offer guaranteed premiums, which remain fixed for the duration of the term, or reviewable premiums, which can change. Guaranteed premiums provide cost certainty.
How often should global life insurance be reviewed?
Cover should be reviewed following major life events such as relocation, marriage, childbirth, property purchase, business growth or significant changes in income. Regular reviews ensure the policy remains aligned with your circumstances.