Financial Protection for Expats: Life, Health, and Income Insurance For expatriates living and working abroad, financial protection is often overlooked...
For expatriates living and working abroad, financial protection is often overlooked until it’s too late. While most expats prioritise investment growth, the foundation of any sound financial plan begins with protection, safeguarding yourself, your family, and your assets against the unexpected.
At Neville Montagu, we help expatriates secure the right combination of international life, health, and income protection, ensuring your lifestyle, family, and wealth remain protected wherever life takes you.
When you move abroad, your financial safety net often changes.
Employer benefits, home-country insurance policies, and national healthcare systems may no longer apply, leaving critical gaps in your protection.
Comprehensive protection planning provides:
Financial security for your family in the event of death or illness.
Continuity of income if you’re unable to work.
Access to world-class healthcare without unexpected costs.
Peace of mind knowing your global lifestyle is protected.
Without the right protection in place, even the best investment plan can unravel quickly.
International life insurance ensures your loved ones remain financially secure, regardless of where you live or hold assets.
At Neville Montagu, we offer access to leading global providers offering flexible, portable life insurance policies that can:
Cover multiple currencies and jurisdictions.
Be written into trusts for estate planning efficiency.
Protect both personal and business interests.
We help clients determine the right level of cover, policy type (term, whole of life, or investment-linked), and jurisdiction based on their residency and global wealth structure.
Access to healthcare abroad can vary dramatically between countries.
An international health insurance plan ensures that you and your family can receive treatment anywhere in the world, from routine care to major medical emergencies.
Global medical cover can include:
Hospitalisation and surgery.
Outpatient and dental care.
Evacuation and repatriation services.
Maternity and family cover.
Our advisers help you select policies that balance cost, quality, and flexibility, ensuring you’re covered wherever you go.
If illness or injury prevents you from working, your income and financial stability can quickly be at risk.
Income protection insurance replaces a portion of your earnings if you’re unable to work long-term, while critical illness cover provides a lump sum on diagnosis of a serious condition such as cancer, stroke, or heart disease.
These protections are particularly valuable for expatriates who may not qualify for state benefits in their host country. Neville Montagu helps clients integrate these covers into their wider financial plan, ensuring continuity of income and security for dependants.
True financial stability requires a balance between growth and protection.
At Neville Montagu, we view insurance not as an expense, but as a cornerstone of prudent wealth management a safeguard that enables you to invest, plan, and live confidently.
Our protection planning integrates seamlessly with investment, estate, and tax strategies, ensuring your entire financial structure remains resilient.
Life abroad brings opportunity but also exposure. Ensuring that you and your family are protected from unexpected events is essential to long-term financial security.
At Neville Montagu, our financial protection specialists design tailored, portable insurance solutions that move with you, adapting to your lifestyle, jurisdiction, and goals.
Protect what matters most. Please speak with our advisers today to review your existing cover and secure comprehensive global protection for the years ahead.
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This content is for background information only. It is not investment advice, a recommendation, or an offer of services. While based on sources Neville Montagu believes to be reliable, it is provided without warranty of accuracy. Unauthorised use is strictly prohibited. Neville Montagu and any of its partners accept no liability for any loss arising from the use of this information.
Neville Montagu is an appointed representative of Neba Wealth Management (NEBA), Head Office: 15-3 Menara 1MK 50480, Kuala Lumpur, Malaysia. www.nebawealth.com
‘NEBA ’ refers to the Neba Wealth Management Group’s separate but affiliated entities generally, rather than to one particular entity. These entities are NEBA Private Clients, which is licensed to operate in multiple regions. NEBA Private Clients Pte Ltd is licensed by the Monetary Authority of Singapore (MAS); NEBA Insurance Brokerage is registered with the Central Bank of the UAE (CBUAE); NEBA Private Clients Financial Advisors LLC is licensed by the Securities and Commodities Authority (SCA) UAE; NEBA Private Clients Ltd is registered with the Labuan Financial Services Authority (LFSA) in Malaysia; NEBA Private Clients (PTY) Ltd, authorised by the Financial Sector Conduct Authority (FSCA) in South Africa. NEBA Private Clients UK is licensed by the Financial Conduct Authority (FCA)
If you are a client outside the United Kingdom, please note that our services are not covered by the UK’s regulatory framework. This means that protections from the Financial Conduct Authority (FCA) and the UK Financial Ombudsman Service will not apply. Instead, your relationship with us will be governed by the laws and dispute resolution processes of the jurisdiction where you receive our services, which will differ from those in the UK.
The investment return and the principal value are subject to market fluctuations. Consequently, an investment, upon redemption, may be worth less than the initial amount invested. Past performance is not indicative of future returns, and we cannot guarantee the success of any investment strategy.
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