EXPATRIATE INSURANCE SERVICES

What EXPATRIATE INSURANCE SERVICES does

Expatriate Insurance Services Ltd is a UK-based independent insurance brokerage founded in 1995 that intermediates international health and personal insurance products for expatriates worldwide. The company is headquartered in Wymondham, Norfolk, is authorised and regulated by the Financial Conduct Authority under license 526928, and is director-owned with no institutional investor involvement. It is a member of AMII and BIBA and is covered by the Financial Services Compensation Scheme.

The firm distributes products from more than 25 insurance carriers — including Aetna International, Allianz, AXA PPP, Bupa Global, Cigna, IMG, Now Health International, and William Russell — across multiple lines: international health insurance (with variants for US expats, families, students, and international schools), term life insurance, personal accident, income protection, travel insurance, and short-term medical. Corporate clients receive group health schemes with medical-history-disregarded underwriting for groups above 10 lives and bespoke terms above 50 lives. Distribution is primarily consultative and sales-led via phone, email, and an online quotation system, with referrals and testimonials as a key acquisition channel.

Revenue is generated entirely through commissions paid by insurance carriers; no client fees are charged for the advisory service. Customers are predominantly individual expats and a smaller cohort of corporate clients, supported by a global service footprint anchored in a single UK office. The company holds no proprietary technology, no disclosed AI capabilities, no API, and no external integrations, operating as a relationship-driven intermediary with a comparatively broad carrier panel.

Name

EXPATRIATE INSURANCE SERVICES

Legal name

Expatriate Insurance Services Ltd

Website

https://expatriate-insurance.com

Company type

Private

Founded year

1995

Operating status

Operating

Headcount range

1–10 employees

Short description

Expatriate Insurance Services Ltd is a UK-based, FCA-regulated independent insurance broker founded in 1995 that intermediates international health, life, personal accident, and travel insurance for individual expatriates and corporate groups worldwide, earning commission from 25+ carrier partners.

Ownership category

akta.pro rank

Product category

Insurance Brokerage / Expatriate Insurance

NAICS

Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411), Accident & Health Insurance (6321)

akta.pro primary industry

Individual Health Insurance Brokerage & Distribution (FSAIAEAL)

akta.pro secondary industries

International/Expatriate Individual Health Insurance (FSAIAEAH), International / Expatriate Group Health Plans (FSAIAFAJ), International Benefits Administration & Global Benefits Brokerage (BPACAHAG)

Keywords

• Expatriate health insurance
• International medical insurance
• Insurance brokerage services
• Expat life insurance
• Global travel insurance

Headquarters

HQ city

Wymondham

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Technology or R&D, Infrastructure

Revenue model

1. Insurance Commission: Company acts as an independent insurance broker/intermediary. Revenue is generated through commission payments received directly from insurance companies whose products are recommended and sold. No fees are charged to clients for the consulting service.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels2 records

Core offering

Expatriate Insurance Services operates as an independent insurance broker acting as an intermediary between expatriates and multiple international insurance providers. The company arranges international health insurance, travel insurance, term life insurance, personal accident cover, income protection, and short-term medical insurance, plus tailored group schemes for corporate clients with expatriate employees. The advisory service is free to clients; revenue is derived from commission payments made by the insurers whose products are recommended.

Product overview

Expatriate Insurance Services operates as an independent insurance broker offering a comprehensive portfolio of international insurance products for expatriates worldwide. Their core offerings include International Health Insurance (with specialized variants for US expats, families, international schools, and students), Term Life Insurance, Personal Accident Insurance, Income Protection Insurance, Travel Insurance, and Short Term Medical Insurance. For corporate clients, they provide group health insurance plans with customizable benefits. The company acts as an intermediary, connecting clients with multiple insurance providers including Aetna International, Allianz, Bupa Global, Cigna, and others. Their services are free to clients, compensated through commissions from insurers. The company is FCA authorized (license 526928) and has been in operation since 1995.

Differentiator

Problem solved

Functional benefit

Products and services

• International Health Insurance Comprehensive international health insurance plans for expatriates covering medical treatment worldwide, including in-patient, out-patient, and day-patient care, sourced from multiple international insurers.
• Travel Insurance Worldwide travel insurance coverage, offered through a single insurer partner.
• Term Life Insurance Life insurance providing lump sum payment upon death with terms from 1 to 10 years for amounts up to £3 million, available for individuals and corporate clients.
• Personal Accident Insurance Coverage for death, temporary or permanent disablement resulting from accidents, available for individuals, corporate workforces, and sportspeople.
• Income Protection Insurance Insurance protection for individuals who become unable to work due to illness or injury, arranged through a single insurer partner.
• Short Term Medical Insurance Medical insurance plans for short-term coverage needs including travel and temporary overseas assignments, with flexible durations from 0-3 months to 12+ months.
• Corporate Group Health Insurance Tailored international health insurance for corporate groups of one or more employees, with customizable benefits including dental, maternity, travel and personal accident. Groups of 10+ can obtain medical history disregarded coverage, and groups of 50+ can receive bespoke terms.
• US Expat Health Insurance Specialized international health insurance plans for US citizens living overseas, offering unrestricted cover back home in the USA with access to personal physicians.
• Student Insurance Low cost, tailored and flexible insurance solutions for international students of all nationalities studying abroad.
• International Schools Insurance Specialist protection for teachers, staff and their families working at international schools abroad.

Quantifiable outcome

• No fees charged for consulting service - commission paid by insurers

Named customers8 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

27 partnerships are on record, tiered core and minor.

• AETNA INTERNATIONALcoreOthersInternational health insurance provider partnered to offer expatriate healthcare plans.
• ALCcoreOthersInsurance provider partnered to offer expatriate healthcare plans.
• ALLIANZcoreOthersInternational health insurance provider partnered to offer expatriate healthcare plans.
• APRIL INTERNATIONALcoreOthersInternational health insurance provider partnered to offer expatriate healthcare plans.
• AXA PPP InternationalcoreOthersInternational health insurance provider partnered to offer expatriate healthcare plans.
• BUPA GlobalcoreOthersInternational health insurance provider partnered to offer expatriate healthcare plans.
• BUPA InternationalcoreOthersInternational health insurance provider partnered to offer expatriate healthcare plans.
• CignacoreOthersInternational health insurance provider partnered to offer expatriate healthcare plans.
• Exclusive HealthcarecoreOthersInternational health insurance provider partnered to offer expatriate healthcare plans.
• Expatriate HealthcarecoreOthersInternational health insurance provider partnered to offer expatriate healthcare plans.
• FreedomcoreOthersInternational health insurance provider partnered to offer expatriate healthcare plans.
• GlobalitycoreOthersInternational health insurance provider partnered to offer expatriate healthcare plans.
• HCC MedicalcoreOthersInternational health insurance provider partnered to offer expatriate healthcare plans.
• Healthcare InternationalcoreOthersInternational health insurance provider partnered to offer expatriate healthcare plans.
• IMG (Europe)coreOthersInternational health insurance provider (Europe) partnered to offer expatriate healthcare plans.
• IMG (Global)coreOthersInternational health insurance provider (Global) partnered to offer expatriate healthcare plans.
• International Travel & HealthcarecoreOthersInternational health insurance provider partnered to offer expatriate healthcare plans.
• Integra GlobalcoreOthersInternational health insurance provider partnered to offer expatriate healthcare plans.
• JourneymancoreOthersInternational health insurance provider partnered to offer expatriate healthcare plans.
• Morgan PricecoreOthersInternational health insurance provider partnered to offer expatriate healthcare plans.
• Now Health InternationalcoreOthersInternational health insurance provider partnered to offer expatriate healthcare plans.
• P J HaymancoreOthersInsurance provider partnered to offer expatriate healthcare plans.
• Seven CornerscoreOthersInternational health insurance provider partnered to offer expatriate healthcare plans.
• VoyagercoreOthersInternational health insurance provider partnered to offer expatriate healthcare plans.
• William RussellcoreOthersInternational health insurance provider partnered to offer expatriate healthcare plans.
• AMII (Association of Medical Insurance Intermediaries)minorOthersTrade body membership - Association of Medical Insurance Intermediaries.
• BIBA (British Insurance Brokers Association)minorOthersTrade body membership - British Insurance Brokers Association.

Scale indicators2 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Pacific Prime: Independent international insurance broker specializing in health, life, and personal accident cover for individuals and corporate groups across Asia and globally. Closely comparable business model: multi-carrier panel, commission-based revenue, expat and corporate focus.

Emerging players

• April International: International health and travel insurer with strong presence in Europe, Asia, and Latin America. Comparable expatriate product suite and direct/broker hybrid distribution model.
• SafetyWing: Digital-first insurtech offering global health and travel cover for remote workers, digital nomads, and expatriates. Targets the same globally mobile persona with app-based UX, representing the technology-led disruptive peer.
• William Russell: Specialist international health, life, and income protection insurer for expatriates. Sells directly online with a digital-first proposition targeting the same globally mobile customer base.
• Now Health International: Specialist international health insurer focused on expatriates and globally mobile individuals. Sells direct and through brokers like Expatriate Insurance Services; comparable on product mix and customer persona.

Broad incumbents

• Allianz Care: International health and life insurer under Allianz Partners, supplying expatriate plans comparable to those brokered. Strong direct distribution plus broker partnerships make it both a supply source and competitor.
• Aetna International: Established international health insurer (CVS Health subsidiary) and core carrier partner. Sells direct globally to individuals and corporates; comparable on product, target customer, and geography.
• Bupa Global: One of the largest direct international health insurers and a core carrier partner of Expatriate Insurance Services. Sells direct to consumers and corporates, partially disintermediating brokers while also being a key product supply.
• IMG (International Medical Group): Established international medical insurer offering individual and group expatriate health plans across global regions. Listed as a key partner and serves the same expat and corporate segments.
• Cigna Global Health: Major international health insurer and listed partner. Operates direct-to-consumer digital channels targeting the same expat buyer, representing both a supply relationship and a structural competitive threat.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/expatriate-insurance-servies-ltd

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about EXPATRIATE INSURANCE SERVICES