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Income Protection for Expats
Income Protection Built for Globally Mobile Professionals
When illness or injury prevents you from working, your income can stop long before your recovery is complete. For globally mobile earners like contractors, consultants, salaried professionals, SME owners, and expat families, this creates immediate financial strain. We help you secure portable, own-occupation Income Protection that replaces your monthly income, aligns with your real earnings, and keeps your lifestyle stable across borders.
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Benefits of Our Income Protection Solutions
Benefits and product features can differ depending on your residency, occupation, and personal circumstances. We have whole‑of‑market access and will work with you to identify the most suitable solution based on your needs and the insurers available to you.
Accurate, Cross-Currency Income Replacement
We calculate benefits using 12–24 months of earnings; employment income, contracting fees, or averaged drawings/dividends, ensuring your cover reflects your true income across currencies.
Own-Occupation Definitions
Claims are assessed against your specific professional role, not a broad occupational category. If you cannot perform your job, your policy pays.
Handover After Sick Pay
For salaried expats with limited employer sick pay, we design deferral periods so your Income Protection benefit activates precisely when employer pay ends.
Portable Protection Across Borders
Your policy remains valid as you move between countries, change employers, or transition between salaried work and contracting, maintaining continuity throughout your expat journey.
Long-Term Benefit Durations
Choose benefit periods that reflect real recovery timelines, from two years to full term, so you avoid tapping savings, selling assets, or relying on family support.
Structured Support for Complex Income Profiles
For contractors, consultants, SME owners, and partners, we prepare income documentation proactively and select insurers experienced with variable earnings and diverse remuneration structures.
Who This Service Is For?
01
You’re a contractor or consultant with no employer sick pay and need a monthly benefit that mirrors variable earnings, supports cash flow, and protects your professional reputation during recovery.
02
You’re a salaried expat with only short-term sick leave and want a policy that takes over when employer pay ends to safeguard rent, school fees, and living costs without draining savings.
03
You’re part of a dual-career expat household where losing one income would disrupt schooling, shared expenses, and long-term plans, and want coordinated cover sized per partner.
04
You’re an SME owner or practice partner whose personal income stops if you can’t work, and need underwriters who understand drawings, dividends, and complex income structures.
05
You’re a globally mobile professional who wants a policy that stays valid through relocations, visa changes, employer transitions, and shifts in your earning pattern.
* Availability of benefit periods, deferral options, income-proof requirements, and territorial scope depends on your residency, occupation, and insurer selection.
How We Can Help You
Our Income Protection service is built for expats who need stability, accuracy, and global continuity. We design your cover around your earning pattern, sick-pay structure, risk exposure, and cross-border plans. When you work with us, you’ll benefit from:
Precise Income Analysis
We build claim-ready income evidence using averaged earnings and multi-currency proof, ensuring your cover is documented correctly from day one.
Sourcing Best-in-Class Definitions
We scan the market for ‘own-occupation’ definitions appropriate for your seniority, ideal for specialists and senior professionals.
Optimising Deferral Periods
We align deferral periods with your existing savings buffer and employer benefits to create a smooth, cost-efficient income transition.
Future-Proofing Your Move
We recommend portable policies that remain valid through visa changes or moves between employment and self-employment.
Advocacy at Claim Time
Should you need to claim, we act as your advocate, helping prepare documentation and liaising with international insurers to minimise delays.
Holistic Household Planning
For couples, we structure benefits per partner to protect total household cash flow while keeping premiums efficient.
Integrated Wealth Strategy
We ensure your Income Protection forms part of a cohesive risk strategy alongside emergency funds, investments, and long-term financial goals.
Book Your Complimentary Call
In this free 15-minute call, we’ll assess whether Income Protection is the right fit for your situation as a globally mobile earner or family.
- Review your income pattern (salary, variable earnings, drawings/dividends) and determine the most accurate benefit calculation method.
- Map employer sick pay and design deferral periods that transition easily to benefits.
- Confirm portability across future relocations, visas, and jurisdiction changes.
- Clarify own-occupation definitions, benefit durations, and which insurers best match your residency and income complexity.
Schedule Your Free Call Today
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