Life insurance for high net worth clients across 54 countries in Europe including Switzerland, Monaco, United Kingdom, Spain, Italy and Cyprus Life cover from $1m to $165m for European high net worth clients.
Get A QuoteFinancial advisers and their clients in Europe can choose from:
Premium financing life insurance available in Switzerland, United Kingdom, Monaco and across Europe.
If you want guidance, or to talk through your options, email us and we will get back to you within 24 hours.
Our European guide to life insurance shows you how much life cover you can buy. Get a life insurance quote and see what Capital for Life can offer you.
Capital for Life is a specialist international life insurance and premium financing provider in Europe. If you are a financial adviser, private banker, family office, lawyer, tax adviser or trustee working in Europe, ask us to show you how to grow your business with our life insurance and premium financing solutions.
If you are a high net worth individual looking for life cover, contact us and we’ll put you in touch with a Capital for Life insurance broker near you in Europe. They will guide you through the different types of offshore life insurance solutions available and help you decide on the best way to pay for the policy using our financing services.
We serve high-net-worth clients and entrepreneurs, top tier executives, and sports and pop stars from across the world. Open an iul account today and secure your life and legacy.
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HIGH-VALUE LIFE COVER
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PARTNERSHIPS
“Carlton is an experienced & learned professional in the life assurance space, who has helped, not only clients but me, navigate the world of high value life assurance through education on the concepts, the application, the processes, and procedures in a clear and concise manner, as to allow me to imbibe others with the same knowledge. He is affable, thoroughly professional and is a pleasure to work with many of my clients and colleagues”.
Raj Srivastava
“Carlton Crabbe and the team at Capital For Life have been an immeasurable asset. Carlton’s experience in structuring solutions for our HNW clients has been a great benefit to our team, and the feedback from our valued clients has been unanimously positive.”
Bob Bhowmik
"I've had the pleasure to work with Carlton and the whole team on a number of occasions. I've found them very professional and thorough when preparing UL cases for my clients. Carlton has a wealth of knowledge on his offering and the whole CFL team is first class in their work behind the scenes."
James Gormley
It is a pleasure to work with Carlton at Capital for Life. He and the team are extremely professional and always on hand to provide support when required. Carlton's extensive experience has been key in helping my high-net-worth clients, particularly in offering bespoke retirement and estate planning solutions.
Colin Estlick
"Working with Carlton is a pleasure. He delivers a constant high level of quality work and is always responsive and communicative."
Hugh McGrenra
"Carlton is an invaluable trusted advisor who identified creative solutions for my high net worth clients using specialised life insurance options. He is a true expert in this field and someone who increases the professionalism in this specialist area."
Marc Beattie
“Carlton has been exceptional in helping us and our clients with the best support and guidance we could wish for. We will continue to use Carlton forever more and would highly suggest that everyone else does the same too.”
Stefan Terry
"Carlton and his team at Capital for Life go above and beyond to help us propose and implement unique retirement and estate planning vehicles for our high net worth clients. Capital for Life’s suite of product offerings are unique in many ways and lend them themselves to significant generational wealth creation and preservation. I see Capital for Life becoming a larger part of international wealth planning in the future and would recommend them to anyone without reservation."
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Thomas Goldie
“Having worked with Carlton for many years, I saw first-hand the care he took to get to the right solution for clients and how collaborative he was with colleagues. In recent years, he has specialised in offshore planning, notably trusts and life assurance, to an extent that there’s nobody I’m aware of in the industry who knows more about those areas.”
Simon Bullock
"Carlton really stands out as a true expert within the market. Carlton has been instrumental as a trusted advisor to my high-net-worth clients because of his ability to provide specialised and creative life insurance products for retirement and estate planning."
Lloyd Simpson
"I highly recommend Capital for Life for when it comes to life insurance solutions. The team is extremely knowledgeable & professional. Carlton is a true expert in his field and he along with the team always remain on hand to provide assistance."
Gareth Bowkett
"I am extremely pleased with the high-value life insurance products and retirement planning strategies that Capital for Life designed for my client. As a trusted advisor in this specialised area, Carlton and his team helped through every aspect of the application process to make this seamless and effortless for both the client and myself. The Team is highly experienced, knowledgeable and professional."
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Stuart J. Mizen
Our comprehensive articles offer insights into the world of IUL, helping you make informed decisions for your financial future.
We're committed to providing you with the information you need to make informed decisions about your life insurance coverage.
Yes, you can. IUL policies are available to Dubai residents and expats through internationally recognised offshore insurers, as local UAE-based insurers do not offer Indexed Universal Life or jumbo policies.
Yes, just complete our online form by telling us a few more details about you and how you want to use an Index Universal Life policy. Or if you want to speak to someone first, just Book a Call with our experts who specialise in providing tailored IUL solutions for Dubai residents and expats.
Anyone in Dubai, an expat or a local Emirati, can apply for Indexed Universal Life Insurance.
Eligibility typically depends on:
• High Net Worth Status – US$1m life cover or more. Capital for Life’s services are only for HNW clients.
• Age – Our insurers cover high net worth individuals or family members aged 0–79.
• Health – Your health and medical history are important and will determine the cost of life cover
• Financial Goals – What do you want to use IUL for? Is it family protection? To finance a property purchase? Or retirement and estate planning?
Premiums vary based on your age, gender, and smoking status. At Capital for Life, we work exclusively with high-net-worth individuals and high earners. To open anIUL policy, you’ll typically need to invest at least USD 35,000 per year. Many clients contribute USD 100,000+ annually to maximise cash value, support estate planning, and build long-term wealth—for retirement planning or borrowing needs.
Yes. You can borrow against your IUL’s cash value to fund property purchases, without triggering a taxable event or needing bank financing.
Yes, our services are designed for high-net-worth clients in the United Arab Emirates. We will work with you to understand your needs and refer you to one of our global partners to take care of you personally.
Top-rated international insurers issue IUL policies with strong financial ratings (A or higher) from agencies like AM Best and S&P. These companies typically have multi-billion-dollar balance sheets and operate under strict regulatory oversight.
You can do both. Many clients choose policy loans because they are tax-free, don’t require liquidation of investments, and allow the policy to continue growing.
Yes, some medical and financial underwriting is typically required. However, many providers offer streamlined or executive screening processes for HNW clients in Dubai.
IUL offers more flexibility, offshore access, and tax benefits compared to local term or investment-linked policies offered by UAE-based insurers.
Because it’s held offshore, IUL can be structured to avoid Sharia-based forced heirship rules and aligned with international trusts, offering greater control over who inherits your wealth.
Yes. IUL allows complete flexibility in naming beneficiaries, unlike some regional policies constrained by local succession laws.
Nothing changes. Your policy is globally portable, remains in force, and can continue to grow and provide coverage no matter where you relocate.
While not Sharia-compliant by default, IUL policies can be structured to meet ethical investment preferences and avoid inheritance restrictions through offshore planning.
Yes. Many HNW clients choose to fund policies upfront or over 5–10 years for efficient estate planning and faster access to liquidity.
Providers offer policies in US dollars, allowing currency diversification alongside global protection. The dirham (AED) currency is pegged to the US dollar.
Still have questions about jumbo life insurance? We're here to help. Reach out to us at enquiries@capitalforlife.com or call us on 052-772-6262 for the best jumbo insurance quote in
Dubai
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