International life cover for expats and digital nomads — worldwide, geographically transferable, and built to look after your family with more than just a payout: practical help, when they need it most.
Three things we see again and again with expat families.
Many life policies are written with restrictions on where you can live and work. Move to a new country and the cover you thought you had can quietly stop applying.
Beyond the financial loss, there's flights, translations, local paperwork and getting a loved one's remains home — usually while grieving, in an unfamiliar country.
A policy taken out years ago rarely keeps pace with a new country, a new family, or a mortgage that's grown since you last checked.
Regency for Expats' International Life Insurance is built specifically for people living outside their home country. Cover is arranged individually, with the sum insured agreed and confirmed on your Certificate of Insurance.
A lump sum paid to your beneficiaries — or your estate — designed to protect your family's lifestyle and remove the worry of financial hardship.
10% of the sum insured released within 24–48 hours of confirmed eligibility, so beneficiaries aren't left covering flights, visas or legal costs out of pocket while a claim is finalised.
Covers travel costs for a next of kin or guardian to collect and escort unaccompanied children home, so they're never left to navigate it alone.
24-hour access to qualified counsellors for family, friends and colleagues — practical advice and confidential support at a difficult time.
Covers the cost of repatriating you to your chosen country, with an experienced team handling customs, transport, local authorities and red tape.
A single number that coordinates everything — case management, liaison with emergency services, and administration of every benefit on the policy.
Move from one country — or continent — to another, and your cover moves with you. No restrictive geographic limits, and no need to re-arrange cover every time your address changes.
Regency for Expats is part of Regency Assurance, an international insurance and financial services group operating under long-term insurance licences.
Every insurance policy has terms and limits — here are the ones worth knowing upfront.
There's no fixed price list — the sum insured and premium are agreed with you and confirmed on your own Certificate of Insurance, based on your age, health and circumstances.
If the cover isn't right for you, you can cancel within 14 days of purchase for a full refund of premiums paid, less any applicable administration charge — provided no claim has been made or attempted.
Conditions you already knew about before your start date generally aren't covered unless specifically declared and accepted in writing beforehand.
As with any life policy, claims relating to suicide within a set period, self-inflicted injury, or death during an illegal act aren't covered. Full terms are set out in the policy wording.
Answer a few quick questions and one of the Regency for Expats team will call you directly to talk through cover and pricing — no obligation, and it makes no difference to the cover you receive.
These details are passed straight to the Regency for Expats team so they can prepare an accurate quote before they call — no spam, no pressure.