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Life cover

Life cover for expats

Life cover provides a fixed payout if you pass away during the term. Unlike mortgage protection, it doesn’t reduce over time as your loan outstanding declines, and it’s versatile for a range of needs.

This is usually level cover taken out to protect an interest only mortgage (because the balance doesn’t change throughout the term), so would be considered suitable to cover buy to let mortgages.  Payable on death of the insured.

Speak to a life cover expert

Why go with us?

UAE-based support.

Easy to call, get advice, and feel understood. 

Expat-friendly insight.

We know how overseas income and residency matter to insurers. 

Broad market access.

Independent advice, no bias. 

Clarity and simplicity.

We talk sense, with no obligation. 

Fully UK-regulated.

We follow all rules and compliance standards. 

Signing agreements for house purchases, leases and mortgages.

How is life cover different from mortgage protection?

Life cover doesn't decrease. You and your loved ones know exactly what’ll be paid out if something happens. It’s a fixed amount - helpful for covering a mortgage, supporting dependants, or securing other financial goals.

Who should consider life cover?

  • Expats with families or dependants 
  • Mortgage holders planning for financial security 
  • Landlords with mortgage obligations 
  • Anyone who values flexibility and payout certainty
Ask your life cover expert

What does a policy typically
include?

  • Fixed lump-sum payout on death during the term 
  • Term options aligned to your goals: 10, 20, or 30 years 
  • Level premiums and payouts - not reducing over time 
  • Often used to support family, mortgage, or other needs 

Why it’s so important

Many people underestimate how valuable critical illness cover can be, and miss out on the support it provides. A relatively low monthly premium can lead to a significant payout if a serious illness is diagnosed – money that can be used to cover mortgage payments, household bills, or extra care, so the focus can stay on recovery rather than financial worries.
 
Yet, despite the benefits, only a small percentage of adults in the UK have critical illness or income protection cover in place.
Protect your family with life cover today

How we work together

  • We talk about what you need - mortgage cover, income support, family protection 
  • We review market options tailored to expats 
  • You select what fits your plan - no obligation 
  • We handle the application and paperwork 
  • You get clarity and protection immediately 
Talk to your life cover specialist

Let’s talk - no forms, no pressure

You don’t need all the answers. That’s what we are here for. 

Drop us a message, ask a few questions, or book a call. We will talk it through and help you make a plan that works. 

  • Based in the UAE 
  • Real advice from real people 
  • Mortgages that make sense for expats 
  • +971 585 139728
  • help@expatmeuk.com
  • Creative Tower, PO Box 4422, Fujairah


Request Contact

We try to answer all enquiries within 24 hours on business days. If there is a certain time you’d like a call, please state this and we’ll endeavour to contact you then.

  • hello@expatmeuk.com
  • +971 585 139728