Life cover for expats

Cover the things
that matter most

Life insurance for expats in Cyprus — term assurance to cover a mortgage or young family, or whole-of-life cover that pays out whenever the time comes. English-language documents, UK-style underwriting.

Get Life Quote → 📞 Or call +357 26 819175
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Why expats choose this cover

Life cover that
follows the family

1

Term assurance

Fixed-term cover (10, 20, 25 years) that pays a lump sum if you die during the term. The standard choice for covering a mortgage or providing for young children.

2

Whole-of-life

Cover that pays out whenever you die — useful for estate planning, inheritance tax exposure on UK assets, or simply leaving a lump sum to grandchildren.

3

Critical illness option

Optional rider that pays out on diagnosis of major illnesses (cancer, heart attack, stroke) — not just on death. Often added to mortgage-protection plans.

Life Insurance Cover Details

Life insurance, sold by
people who know expat estates

Expat life insurance is more involved than the UK equivalent. You may have UK pension assets, a Cyprus property, UK heirs and an EU domicile question — all of which affect what cover should be structured to do. We work with you to map the assets, the heirs and the tax exposure, and quote cover that fits the actual situation.

✓ Term assurance (10–40 years) for mortgage / family cover
✓ Whole-of-life for estate / inheritance tax planning
✓ Optional critical illness rider
✓ UK or Cyprus residency — both underwriting tracks
✓ Trust planning available for UK-domiciled estates
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💛

Why Abbeygate for Life

Cover structured around
the expat picture

We’ve been arranging life cover for British expats in Cyprus since 2006. We talk through the actual purpose of the cover — not just sum-insured and term — and we know when to quote a Cyprus-paper plan vs a UK-paper plan based on residency.

01

UK or Cyprus underwriting tracks

Depending on residency, age, and where the beneficiaries live, the right plan might sit on UK paper or Cyprus paper. We compare both and explain the tax and probate implications.

02

Trust planning where it matters

For UK-domiciled estates, writing the policy in trust keeps the payout out of the IHT calculation. We can arrange the trust paperwork alongside the policy — not afterwards as an afterthought.

03

No high-pressure sales

We don’t earn renewal commission on life cover that you keep forever — we’re paid once. So our advice is to take only the cover you actually need.

Customer Testimonial

★★★★★

"After trying several local insurers, Abbeygate was the only one who truly understood expat insurance needs. Their policies are comprehensive and fairly priced."

KH
Ken Heydon
British expat, Paphos

Life FAQs

Common questions about life cover

Term is cheaper and pays out only if you die during the term — the standard choice for covering a mortgage or providing for young children. Whole-of-life is more expensive but always pays out — the standard choice for estate planning, inheritance tax, or leaving a guaranteed lump sum. Many people have a mix.
Sometimes. For smaller sums insured and younger applicants, a health questionnaire is usually enough. For larger sums insured (typically over EUR 500k) or applicants over 50, a medical examination and blood tests may be required — the insurer pays for it.
Both. Premiums and sum insured can be denominated in EUR or GBP depending on where the beneficiaries live and where the assets being protected sit. We’ll recommend a currency based on the structure.
Most plans we sell are portable — cover continues if you move to the UK, another EU country, or anywhere on the policy’s permitted residency list. Always tell us before the move so we can confirm.
It depends on your domicile (not the same as residency). UK-domiciled estates are subject to UK IHT on worldwide assets, including Cyprus property. Writing a life policy in trust can help cover the IHT bill. We’ll talk you through it — but you may want to also speak to a cross-border tax adviser.

Real people, real help

Prefer to speak to
a real person?

Our team has been insuring expats in Cyprus for years. No call centres, no scripts — just experienced people who can answer your questions and help you find the right cover.

Open Mon–Fri 09:00–17:00 (EET / EEST)

📞 Call our office +357 26 819175 💬 WhatsApp us +357 97 612602 Email anytime info@abbeygate.cy

Ready to look at life cover?

Get a life insurance quote online — or call our Paphos office to talk through term, whole-of-life and any critical-illness options.

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AG
Abbeygate Agent
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