Who Can Get UK Life Insurance?
| Your Situation | Can You Get UK Life Insurance? |
|---|---|
| UK citizen living in the UK | Yes – all providers |
| Foreign national living in the UK (visa holder) | Yes – most providers |
| EU/EEA citizen living in the UK | Yes – most providers |
| UK citizen living abroad (expat) | Some providers – depends on country |
| Non-UK resident, no UK ties | Very limited options |
Foreign Nationals Living in the UK
If you live and work in the UK, most life insurers will cover you regardless of nationality. You typically need:
- A UK residential address
- A UK bank account for premium payments
- The right to live and work in the UK
- To have been a UK resident for a minimum period (varies: some require 6 months, others require 2–3 years)
UK Expats Living Abroad
If you are a British citizen living abroad, your options depend on where you live:
- Europe, USA, Canada, Australia, NZ – Most UK insurers will cover you (some exceptions for USA due to regulatory complexity)
- Middle East, Singapore, Hong Kong – Most UK insurers will cover you
- Developing countries – Options may be more limited; specialist expat insurers may be needed
- High-risk countries (conflict zones) – Very limited or no cover available
Keep your UK policy: If you already have UK life insurance and are moving abroad, most policies remain valid worldwide. Check with your insurer before moving – you may just need to update your address. Do not cancel your existing cover.
Specialist Expat Insurers
Several insurers specialise in covering expats and non-UK residents. These include specialist international life insurance providers who understand the complexities of cross-border cover. A specialist broker can help you navigate the options.
Frequently Asked Questions
Living in UK: yes. Expats abroad: depends on country. No UK ties: very limited. Use a specialist broker.
Usually yes. Most UK policies cover worldwide. Check with your insurer before moving.