Protect your family with a Clements Life insurance policy today!

life insurance in the ukWith 68 years of experience insuring individuals working or living outside of their home country, Clements Worldwide understands that your family’s financial protection is your top priority, especially should an untimely loss occur. For this reason, Clements offers international term life insurance, an essential coverage that protects your loved ones against future financial burdens. With term options ranging from one to three years, Clements’ portable term life insurance is suitable for all expatriates, especially for those with outstanding financial obligations, such as a mortgage, or dependents, such as children or a spouse.

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  • Features & Benefits
  • Coverage
  • FAQ

Enrolment in Clements’ term life insurance program ensures that the future financial needs of your family and loved ones are provided for should the unthinkable occur.

Term life insurance benefits and features include:

  • No medical underwriting for policies up to GBP 170,000
  • 3 year term maximum and premium billed annually
  • Portable policy that you can take with you whether you change jobs, retire, or move anywhere in the world.
  • Benefits as high as 10 times annual salary, up to GBP 2.5 million
  • Low fixed premiums throughout the term of the policy
  • Coverage against death as a result of illness, accidents, and acts of war and terrorism
  • Underwritten by certain underwriters at Lloyd's of London

Contact: uklife@clements.com or call +44(0) 33 0099 0102

 Available Limits

Up to GBP 2.5 million (GBP 170k without medical underwriting)

 Application   Online enrollment form
 Premium Type  Fixed, for the duration of policy
Premium Payments       Flexible payment plans available
 Coverage Type

Death All Causes, including life ending events as a result of illness and accident, war, terrorism, and political violence including in high-risk areas (Iraq, Afghanistan, DRC, etc

 Exclusions Suicide, death as a result of criminal act by insured, nuclear, chemical,  biological terrorism
 Term  Flexible, 1 to 3 year terms available
 Eligibility Age  18 - 65

 

Am I eligible for a term life insurance policy?

Expats between the ages of 18 to 66 are eligible. However, it is required that expats must be employed for a minimum of the first six months of the term life insurance policy and need to be temporarily a resident in the UK when you purchasing the policy. 

How much coverage should I get?

According to the Life Insurance and Market Research Association, experts recommend having enough life insurance to replace income for 7 to 10 years, but each individual must calculate their beneficiaries’ future financial needs. Several factors (such as age, children, mortgage, income, etc.) must be considered to determine the appropriate amount of life insurance coverage.

Clements Term Life offers a policy with no medical test required up to GBP 170,000. For individuals requiring coverage over GBP 170,000, a doctor’s medical report must be submitted for underwriting approval. Under our plan, coverage up to GBP 2.5 million is available with 1 to 3 year terms.

After my term life insurance application was accepted, how long will it take for me to receive proof of insurance?

Certificate of Insurance will be emailed within 3-5 business days. In addition, a hard copy can be mailed to you upon request.

For additional coverage, which other policies complement Clements’ term life insurance?

Clements offer a variety of insurance solutions specifically for expatriates. These policies can be purchased on an individual or group basis and provide enhanced protection and peace of mind.

Motor Insurance – Clements have a dedicated UK motor product designed specifically for foreign nationals, with a full driving licence, working in the United Kingdom. Learn more here

Property Insurance – Clements’ International Personal Property coverage provides insurance for items damaged during a move, while traveling or while inside your home abroad. Clements offers expert, world-class service recognised across the industry that can help simplify your life overseas.

Still have questions? Contact: uklife@clements.com or call +44(0) 33 0099 0102