Death - Expat Network

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New! Understand Insurance Cover For Expats

Expats should make sure they have the correct insurance cover in place – preferably before moving overseas. So, our new Insurance section explores the cover you will need in terms of travel, life, income replacement and death-in-service insurance. Visit our new Insurance section here: International private medical insurance is also a must-have to make sure you...

Death In Service Insurance

Many people working abroad for UK companies are entitled to death in service benefits either as part of their pension or an employee-run insurance scheme. These will usually pay out up to four times you annual salary as a tax-free lump sum if you die while working for that company. Under the Armed Forces Compensation...

Moving Abroad Checklist

Initial Considerations

Will your partner be travelling with you?

If so, what will they be giving up in your present home and will they be able to continue with their career in your new home? You will need to check whether a separate visa is required for your partner to work or if your visa gives that right. If they are unable to work you will need to decide on the effect on your finances and what alternatives are available to give a fulfilling life (home business, training, voluntary work).

Are you taking family with you?

Moving with family raises many exciting opportunities, but also can create challenges. The HSBC Expat Explorer survey indicates that expat kids can take six months to settle in to their new country (see article). Getting young or even older children to prepare to move and leave their friends and family behind can be a challenge and should be thought through.

The options for education is another area that needs to be thought through.

Moving your child to a new country with a different education system can be a great opportunity to broaden their experience, but if they are close to key exams the timing can make this inadvisable. If you do take your family with you, it is important to decide between joining the local school system or choosing an international school.

Where will you be living?

Whether you will be living in a house or apartment, furnished or unfurnished, these decisions will affect what you need to take with you. The time you are planning to live overseas will also affect whether you should leave your property at home empty, rent it out or sell it. See the article Sell, Store or Ship.