Insurance & Protection
Life, critical illness, income protection and key-person cover placed for expatriates and cross-border families.
Protection is the part of a wealth plan that only matters once, and only if it was arranged correctly beforehand. For cross-border families the usual failure is a domestic policy that stops paying, stops being valid, or cannot be maintained after a move — leaving the family uninsured at precisely the point the plan assumed cover.
ASJ Group arranges portable international life, critical-illness, income-protection and medical cover that follows the client between countries, alongside corporate cover: key-person, shareholder and partnership protection for owner-managed businesses.
Where cover exists to pay a future tax or buy-out liability, it is written in trust or held by the appropriate structure so the proceeds land outside the estate and reach the right party quickly. Sums assured are derived from the modelling, not from a product target.
Scope of engagement
- Portable international cover
- Key-person and shareholder protection
- Trust-held policies where useful
Typical clients
- Expatriates whose domestic policies will not travel with them
- Business owners needing key-person or shareholder protection
- Families using insurance to fund a projected inheritance tax liability
- Sole earners supporting dependants across borders
A named director on the file, from first call to handover.
Dependants, liabilities, income replacement period and known future tax charges quantified.
Type, term, currency, sum assured and ownership decided before any product is approached.
Whole-of-market placement with international insurers; underwriting and medicals managed for you.
Trust or structure ownership documented, beneficiaries recorded, cover reviewed as circumstances change.
What you receive.
Every engagement closes with a director-signed handover pack — retained on file for thirty years.
- Protection needs analysis
- Cover recommendation with sums assured and rationale
- Whole-of-market quotation comparison
- Trust or structure ownership documentation
- Beneficiary schedule and periodic review
Jurisdictions in active use for this service.
Questions we hear on every intake call.
- Will my existing policy still pay if I move abroad?
- Not always. Many domestic policies restrict residence, travel or occupation. We check the wording of what you already hold before recommending anything new.
- Why write a policy in trust?
- Proceeds held in trust generally fall outside the estate, avoid probate delay and reach beneficiaries quickly — which matters most when the payout exists to settle a tax bill.
- Do you take commission on insurance?
- Insurance is part of the wealth-management engagement, which is funded through the products we recommend. Where an insurer pays commission, the amount is disclosed in writing and offset in your favour.
- What is key-person cover?
- Cover owned by a company on an individual whose loss would materially damage it, paying the business a sum to fund recruitment, lost profit or loan repayment.
Start with a twenty-minute call. Leave with a written scope.
Every engagement begins with a director — not a junior, not a chatbot. Fixed fees, quoted in writing, before any work begins.
More on wealth & related work
Personalised Wealth Strategies
One coordinated plan across every country you hold assets in — objectives first, products last, reviewed as your life changes.
Asset & Portfolio Management
Discretionary and advisory portfolios via independent managers — multi-currency, with total cost of ownership and any intermediary remuneration disclosed.
Retirement Planning
Retirement provision for globally mobile clients whose pensions, employers and tax residency span several countries.
Every engagement begins with a twenty-minute director-led call. Fixed fees, in writing, before any work begins.