The Safety Net Most NRIs Delay - Until It’s Too Late

You’re building a life abroad-career, home, family, dreams. But there’s one question many NRIs postpone: If something happened to me tomorrow, could my family keep life going-here and back home-without financial shock?

A Situation We See Too Often

A young UK couple with a mortgage, one income, and two kids. Everything feels manageable-until a sudden illness changes everything. Overnight, rent or mortgage, childcare, school fees, daily bills, and obligations in India become a mountain. A simple policy taken a year earlier could have turned a crisis into a plan.

The Global Citizen’s Blind Spot

We move countries, switch jobs, and juggle compliance like pros-yet ignore the one tool that buys time and stability for our families when they need it most: life insurance.

Why Your Old Policy May Not Be Enough

A policy taken in India might not be built for your UK liabilities (mortgage, day-to-day expenses in GBP, local tax/estate issues). Conversely, trying to buy UK cover after moving abroad is often difficult. Getting the right cover, in the right country, at the right time matters.

What The Right Life Cover Can Do

• Replace lost income so life doesn’t stall
• Clear or reduce your mortgage or debt
• Protect children’s education and routine
• Support dependants in two countries
• Give your partner breathing room to make good decisions, not rushed ones

Types of Cover (In Plain English)

• Level Term Life: fixed payout (e.g., £500,000) if you pass away within the policy term.
• Decreasing Term (Mortgage Protection): payout tapers roughly with your repayment mortgage.
• Whole-of-Life: lifelong cover (usually higher premiums).
• Add-ons (separate products): Critical Illness and Income Protection can be paired with life cover.

Tip: For mortgages, many families choose decreasing term-it’s often the most cost-effective way to secure the roof over their heads.

Can NRIs Get UK Life Insurance?

Usually yes - if you’re UK-resident at the time of application and meet insurer rules. If you’ve already moved abroad, you may need expat/international options. Either way, speak early; waiting can limit choices and increase cost.

What Affects Your Premium

Age, health/medical history, smoker/vaper status, job and hobbies, cover amount, and term length. The earlier you act, the more options (and pricing) you generally have.

A Quick, Real-World Cost Example (Indicative Only)

Example: A healthy 35-year-old non-smoker taking £300,000 of decreasing term cover over 25 years might see quotes starting in the low-to-mid teens per month (around £12-18/month).
Important: This is illustrative, not advice. Your price depends entirely on your circumstances and insurer underwriting.

How To Get Started (Step-by-Step)

1. Map your need: mortgage balance, monthly bills, school fees, family support in India.
2. Pick a cover type:** level vs decreasing vs whole-of-life; riders if needed.
3. Apply while UK-resident (if that’s you today)-it’s usually simpler and broader.
4. Get quotes & guidance through our partner below.
5. Underwriting: answer health/travel questions; GP notes may be requested.
6. Start cover: set up direct debit; tell your partner/executor where the policy lives.

Partner You Can Start With Today

Cavendish Online × NRIWallah - a simple, trusted route to arranging the right protection while you’re UK-resident.

Why Cavendish?

• Backed by a major UK banking group
  Cavendish Online is part of a well-known UK financial services group and focuses on protection (life, critical illness, income protection).

• Choose how you want to buy: online, guided, or advised
  Compare and buy directly, get help over the phone, or take full advice-whatever suits you. This “hybrid” model keeps things simple without compromising support.

• Value-first approach
  A proposition built around keeping premiums competitive via efficient distribution-so more of your money goes into cover rather than overheads.

• Independent customer feedback
  Strong public reviews highlight clear explanations, patient guidance, and smooth setup-exactly what you want when choices feel complex.

• Regulated and accountable
  UK-regulated, with transparent processes. (Always make your own checks before you buy.)

How it works (fast)

1. Start your quote on our dedicated page: https://link.nriwallah.com/DASVTP
2. Pick your route - go direct for quick comparisons, or request a call for guidance/advice.
3. Complete underwriting - answer health/travel questions; you may be asked for GP info.
4. Go live - set up your direct debit and keep your documents with your will/trust notes.

Prefer a conversation first? Begin the form and request a call-back-an adviser can talk you through level vs decreasing cover, joint vs single, and writing the policy in trust so proceeds reach your beneficiaries faster.

Helpful to know

• No-obligation quotes: explore options without committing (final price depends on your circumstances and underwriting).
• Trust setup: ask the adviser to help put your policy in trust where appropriate; this can speed up payout to loved ones.
• Already insured? Cavendish can review existing cover and tell you if switching actually helps-or if you should keep what you have (sometimes the right answer).

👉 Start now: Cavendish Online × NRIWallah

Quick FAQ

Do I need to be UK-resident to buy UK life insurance?
Generally, yes-insurers typically require UK residency at the time of application.

I’m moving abroad soon-should I act now?
Yes. Many providers won’t start a new UK policy if you’re about to leave permanently. Put cover in place before you move, if appropriate.

Can my policy continue if I later move overseas?
Often yes-subject to policy terms and exclusions (e.g., certain high-risk locations). Always check before you move.

Joint policy or two single policies-what’s better?
Joint (first-death) is cheaper and pays once. Two singles cost more but can pay twice (once per life). It depends on budget and goals.

Level vs decreasing-how do I choose?
If you want a fixed lump sum for family needs, level term is simpler. For a repayment mortgage, decreasing term usually matches the loan and is cheaper.

What if I already have a policy from India?
Keep it if it fits a purpose, but consider whether your UK liabilities are best protected by a UK policy in GBP.

Will I need medicals?
Not always. Many applications finish with just health questions; sometimes insurers request a GP report or basic tests.

Who gets the money-do I need a trust?
Writing the policy in trust can help pay beneficiaries faster and may have estate planning advantages. Ask your adviser how to set this up correctly.

How much cover should I choose?
Add up your mortgage, 12-36 months of living costs, school fees, and any support you want to provide in India. That total is a practical starting point.

How long should the term be?
Common choices are to the end of your mortgage or until children become financially independent. Whole-of-life is for lifelong needs (often estate planning).

Useful Links

• Start here: Cavendish Online × NRIWallah — https://link.nriwallah.com/DASVTP
• Optional reading: wills, LPAs, and guardianship planning—see our Wills page in this section