Friends Provident International International Protector

An independent review by our team of experts.

Review summary

Friends Provident International
International Protector
Level or Decreasing International Term Assurance

Friends Provident International (FPI) has over 35 years of international experience and is part of the Aviva Group, which has a heritage that dates back over 300 years.

FPI provide savings, investment and protection products to customers in Asia and the UAE.

With offices in Dubai, Hong Kong, Singapore and the Isle of Man, Friends Provident International have more than 500 staff worldwide, looking after more than 160,000 customers.

Overview

International Protector is an international term insurance plan from Friends Provident International. 

Friends Provident International offer an International Protector Middle East and an International Protector Asia version.

Friends Provident International’s International Protector offers international professional and expats peace of mind in the event that unplanned problems occur.

It is a product that can be tailored to suit individual needs.

The options are:

  • International life insurance
  • International life or earlier critical illness cover and
  • International critical illness cover

You also have the choice of level or decreasing term assurance depending on your circumstances.

Level term insurance may be right for protecting your loved ones in the event of your death and decreasing term may pay off a tapering liability such as a mortgage in the event of an unplanned occurrence. 

All the normal expat life insurance restrictions apply to this plan (such as territoriality changes, hazardous sports exclusions, cancellation of cover if premiums are unpaid or voiding if inaccurate information is provided).

It is important that professional, independent advice is sought when buying international insurance. 

Given the high level of commission its sale can produce for advisers, we recommend advice is sought from an independent adviser who charges a fee for the advice given, and rebates you the commission so you have the peace of mind that no conflict of interest exists. 

Friends Provident International International Protector - Level or Decreasing International Term Assurance - key features and benefits:

Guaranteed premiums.

Premiums will remain the same for Life Cover and Life Cover with TPD.

CIC premiums are guaranteed for the first 5 years.

Meaning you can budget effectively as Life Cover premiums will never increase.

Multi-currency.

Premiums and cover are available in US Dollars (USD), Sterling (GBP), UAE Dirham (AED) and Euro (EUR).

You can choose a currency which suits and this will remain throughout the plan.

Single and joint life.

Single or joint life basis available.

Offering financial security that your spouse is covered, should you choose joint life.

Cover available for any term.

Cover is available for any number of years, providing you are under age 80 at the end or age 70 for Critical Illness cover.

Cover can be tailored.  So if a mortgage is for 25 years, Life Cover could have a 25 year term.

Monthly or annual premiums.

Premiums can be paid either monthly or annually.

You can decide which frequency suits you.

Level or decreasing term.

Both types of cover offer you a lump sum payment should you die.

Decreasing Term provides a lump-sum at the time of claim that aims to sufficiently cover the outstanding liability on a repayment loan – ideal protection against your mortgage.

You can choose cover to suit your circumstances.

Portability.

It's portable, which means you can take it with you if you ever decide to move.

The pros

  • Low cost
  • Flexible
  • Strong brand of parent company

The cons

  • More expensive than back home
FAQs
What does Friends Provident International's International Protector life cover provide?

It will pay out to financially support your loved ones.

It provides financial support and peace of mind that your loved ones could survive financially.

What are the benefits of Critical illness cover (CIC)?

It pays out if you are diagnosed with one of FPI's defined critical illnesses...so you can concentrate on recovering, rather than worrying about your finances.

When does the Life or Earlier Critical Illness Policy pay out?

Ot pays a cash sum if you die or are diagnosed with one of FPI's list of defined critical illnesses - whichever happens first.

Offering financial protection for both scenarios.

Are there additional terminal illness benefits with the insurance policy?

Yes, it will pay out if you are diagnosed with a terminal illness. Included at no extra cost, for Life Cover policies with terms of 3 or more years and all Life or Earlier CIC policies.

You can spend quality time with your family, with the help of financial support.

Is there disability cover available as an add on?

An optional addition to Life Cover is Total and permanent disability benefit (TPD). It pays out if you are diagnosed with a TPD.

You would receive financial support, if you become totally or permanently disabled.

What does Friends Provident International's International Protector cost?

The cost of an insurance policy will depend entirely on your personal circumstances.

You should seek a personalised quotation.

Beware the risk of hidden commissions being added on by a financial adviser however.

Customer reviews
Decent cover

I'm happy with the flexibility, portability, cost and cover. Would recommend

Good brand name

Happy to get good international insurance from a decent brand name. Feel secure with my choice for my family

Expert verdict
Expert Assessment of the Friends Provident International International Protector

In our view, it is unwise to purchase insurance from your bank, and potentially risky to limit yourself to a domestic insurer in your current country of residence.

As a global insurer, Friends Provident International is a market leader in the provision of international term insurance. 

The International Protector is an excellent plan when professional, objective advice with regard to its inception and maintenance is sought.  HOWEVER, there is the risk an adviser may add on hidden commissions so ensure you seek advice from a fiduciary.

If you’d like a free, no obligation review of your expat portfolio, including your insurance products, request an X-Ray Review™ today.

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