If your business depends on one or two people, losing them can hurt more than losing a customer. Key person insurance pays the business a lump sum if that person dies, or if you choose to add illness cover, becomes seriously ill. For expat business owners the main questions are who owns the policy, how…
A UK life insurance policy does not always stop when you move abroad, and it does not always carry on as before. What happens depends on your insurer, your policy wording and where you are going. This guide explains what insurers check, what can go wrong, and what to do before you leave. This guide…
Term and whole of life are the two main types of life cover, and expats often get sold the wrong one. Term cover is cheaper and fits most families in their working years. Whole of life costs more but lasts as long as you do. This guide explains the difference, what changes when you live…
Most expats either guess their life cover or copy a rule of thumb. Both can leave a family short, because living abroad changes the sums: your income may be in one currency, your debts in another, and your family may depend on a visa or a job tied to you. This guide shows a four-step…
If you have worked in the UK for several employers, you may hold a handful of small pensions with different providers. Living abroad makes that harder to manage. This guide explains the case for and against bringing UK pensions together, the guarantees you could lose, and what changes if you consolidate into a SIPP rather…
A QROPS is often sold on its tax benefits. Some are real, some are out of date, and some depend entirely on where you live. This guide explains how QROPS tax really works in three layers: the UK charge on the way in, the UK rules that still apply to payments, and what your country…
For years, the lifetime allowance was one of the main reasons expats were told to move a UK pension abroad. That reason no longer exists. The charge was removed from 6 April 2023 and the allowance itself was abolished from 6 April 2024. This guide explains what changed, what replaced it, and what it means…
If you live abroad and have a UK pension, taking money out raises a question the pension provider will not answer for you: who taxes it? The UK has rules on the lump sum, and your country of residence may have its own. This guide explains the UK tax-free cash, how the rest is taxed…
Many people who spent part of their career in the UK have a pension they have lost track of. Moving abroad makes it more likely: old employers close, providers merge and letters go to an address you left years ago. This guide explains how to trace a lost pension from overseas, who to contact, what…
You can claim your UK State Pension wherever you live, but what you get, how it is paid and whether it rises each year depend on where you retire. This guide explains how to claim the UK State Pension abroad, which countries get yearly increases, how payments and tax work, and how voluntary National Insurance…