I was recent quoted 20 year term single life assurance of 450chf per year per 100000chf cover as a non smoking healthy 44 year old from a Swiss insurer.

moneysupermarket.com has quotes averaging 260chf per 100000chf cover from leading UK providers. Of course the UK policy would pay out in GBP with the currency exposure, and the inflation differential of currently about 4% per annnum would eat into the value mid term too, but I think the competitiveness of the UK market must be a big cost factor too. But these are typically only offered to UK residents.

Does anyone know if the UK insurers will cover a Swiss resident UK citizen, and or can recommend brokers for such?

Thanks in advance
Daniel

Why not ask a UK life insurance broker?

Thanks, that hadn't crossed my mind ;-)

Isn't the whole purpose for a forum like this to share experiences, thoughts, and insights? Plus I'm also asking if anyone has worked with any such brokers on a topic like this?

As you are a UK citizen the likely answer is yes however there may be limits depending on how long you have been away from the Uk or if you plan to return.

The answer is that UK policies are available if you are british citizen and have property. The question of duration of expatriation was not a question.

The quote I got was some 55% lower than the Swiss premiums I mentioned in my OP.

Regards,
Daniel

Back in 1989 when I arrived here I looked into Swiss life insurance v. British.

The Swiss showed projected growth of 4% in CHF and the UK projections of 8% in pounds. The reality since is that neither would have made these projections, but there were CHF3.20 to £1 in 1989. Which would you have gone for? I took the Swiss one...

For sure as long as the interest rate delta exists the GBP will have downward pressure from that, but the CHF just feels too strong now (ie what things cost anywhere but Switzerland).

Anyway, I am just talking straight term life assurance, not endowment or anything fancy schmancy. Since the policy and payout are in GBP, the thing is naturally hedged anyway, the GBP goes down further the both the cost and the cover go down in CHF. I can always top up the cover to lock if I need to cover a certain CHF liability (eg home mortgage) in the event of death, or can afford to slightly over insure, and still be cheaper than the CHF cover.

Daniel