map of qatarCan I get Life Insurance if I live in the Middle East?

At Future Proof , we have helped to arrange life insurance cover for many people who live outside of the U.K. from as far and wide as Australia, the Middle East, North America, Africa, South America and Europe.

Each country and circumstance is different and we would urge that you speak with us to get a tailored quote.We can help people who primarily live outside the UK, providing that the country is relatively safe according to the Home Office and by agreement of the Insurer.

If you are a UK National, British Citizen, or have UK residency we can probably help you arrange life insurance cover.

Countries where we can obtain life insurance are listed below. These are liable to change as a result of terrorism or civil unrest.

  • Bahrain
  • Egypt
  • Israel
  • Jordan
  • Kuwait
  • Lebanon
  • Oman
  • Qatar
  • Saudi Arabia
  • Turkey
  • United Arab Emirates

We can potentially look into cover for clients residing in the countries listed below, however, it is more likely that the insurance will be for a short term period. e.g covering a two month work contract. Premiums will be higher, due to the increased risk of danger:

  • Iran
  • Iraq
  • Syria
  • Yemen

If, once you’ve read this case study, you’d like to talk through your situation, please call 0800 644 4468 – Monday to Thursday from 09.00 to 19.00 and on Friday between 09.00 and 17.00.

Or, if you would rather arrange a specific time that suits you best click here:


Our process

When we are contacted by a client who lives or works abroad, the first thing we do is pick up the phone. We discuss their situation directly with Underwriters at many of the UK’s leading Insurance companies. This process helps us to identify the best company to apply to. This also means we avoid applying to companies who will end up being too expensive or worse, decline an application. By completing our research thoroughly, we are able to avoid wasting time and obtain the best terms possible for our clients.

Case study

Recently, we were approached by a 53 year old non-smoker. Mr S required life insurance to ensure that funds will be available to repay his mortgage and offer financial security to his wife and children should he pass away.

Mr S had tried to arrange life insurance through various Insurance Providers but had been declined by all companies. He had been told that he would not be eligible for life insurance as he lives the majority of the time in Doha, Qatar.

He told us that he wanted a sum assured of £250,000 until he reaches the age of 75 years. After that time, his mortgage would be repaid, his children grown up and he would have retired and he didn’t see that there would be a need for life insurance.

Mr S is an accountant and although employed by a German owned company, he works for 11 months of the year in Qatar. He stays in a company owned property in Doha, whilst his family live the majority of the time in the UK. Mr S is a UK citizen and tax payer. He pays the mortgage on the UK family home and eventually intends returning full time to the UK.

Many Insurance Providers will not offer insurance to applicants who do not live in the UK. However one company is happy to provide insurance to applicants who continue to have a UK bank account and financial or family ties to the UK.

In this instance, we were able to provide a level term life insurance policy for Mr S offering a sum assured of £250,000 until he reaches the age of 75 years for a premium of £71.49 a month.

Please note that any premiums mentioned are indicative only and based on this specific case study/ example, which is shown for information purposes only. Your own circumstances will determine whether the amount payable is more or less than the figure quoted.

Our client was kind enough to leave us a great review on




I liked the one to one service that Amy provided. It was very refreshing to deal with someone who was able to provide a personal service and who understood what product I needed. Would recommend them without hesitation.”

Interested in related stories?

Next steps

Whilst you are welcome to get a quote on-line we would recommend you talk to one of our advisers.

Any quote that your adviser provides you with will take into account to your circumstances, your medical history, as well as your budget!

An on-line quote is just that – a quote – it isn’t a definite offer of cover. What really matters is the premium you are offered, after your application has been assessed.

Call Freephone 0800 644 4468 – Monday to Thursday from 09.00 to 19.00 and on Friday between 09.00 and 17.00.

Please feel free to read our Independent client reviews, or read about the team at Future Proof.


Need more information on UK residency and tax.

Take a look at our handy guides ‘What Cover is Right for me?’

Do you suffer with a medical condition and concerned you can’t secure Life Insurance?  Please view our ‘Medical Guides’ for further information.

Whilst we will make every endeavour to help someone to arrange insurance, there is no guarantee of success.  All applications are subject to underwriting.

Ref 127578017

"*" indicates required fields

Fill in the form & we'll get back to you