People are often unsure what international whole of life insurance really is. In simple terms, an international whole of life insurance policy gives varying international life insurance throughout your lifetime, as the name suggests.
They're flexible, giving international whole of life insurance plans a variety of uses, such as a means of loan protection, as personal lifestyle protection and for inheritance-tax planning - so your heirs don't have to pay huge charges, perhaps even having to sell assets to do so. There are a number of other uses for international whole of life insurance too.
An international whole of life insurance policy will pay a cash lump sum when you die, and can include other benefits such as terminal illness and critical illness insurance.
International whole of life insurance plans give you insurance throughout your lifetime, so you don't have to worry about getting life insurance in the future. It's based on your age and health at the time you apply - as long as you have an international whole of life insurance plan, you have protection.
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Case Studies
Keith and Betty Truman were both in their late 50's and living as expats in Singapore. They had recently reviewed their inheritance tax position with a tax adviser and wanted to make sure they had sufficient funds to cover their inheritance tax liability. Keith and Betty contacted Bellwood Prestbury International Insurance Services to discuss their options and we recommended an International Whole of Life insurance plan.
Keith and Betty Truman, Retired
African surveyor Joseph Abedi wanted international life insurance, but wasn't sure for how long - some or the whole of his life. He'd just had a child and was hoping to grow his family over the next few years. Instead of choosing an international term life insurance, with a fixed term, he wanted the flexibility to be insured for as long as he needed to. The international whole of life insurance we recommended did just that.
Joseph Abedi, International surveyor