If your income stopped tomorrow, would your family be protected where you now live?
Why cover arranged at home, or through an employer, can behave differently once your family lives somewhere else.
For internationally mobile families
Your wealth crosses borders. Does your plan?
Protecting the people who matter, reaching your capital during your lifetime, and passing on what you have built: three goals that a single-country plan was never designed to answer together. Our free guide sets out the seven questions worth asking first.
For internationally mobile families with cross-border assets.
General information, not financial advice. Pharos Introductions is an introducer.
Inside the guide
Each question names a genuine issue, explains why it bites harder for families who move, and sets out what is generally worth understanding. Written to sharpen the questions you ask, not to answer them for you. The guide names and explains the index-linked structures often shown to globally mobile families, with the real trade-offs alongside them.
Is your wealth structured for one country, or for a life that crosses borders?
The difference between a plan assembled from single-country parts and a plan built to travel with you.
Could you reach your capital during your lifetime without selling assets at the wrong moment?
How lifetime access actually works, what it costs you in the mechanics, and where it stops being automatic.
How would your wealth pass to the next generation across different countries’ rules?
Forced heirship, trusts, and what happens when two or three legal systems each claim a say.
Do you actually understand how index-linked structures work?
Caps, floors, participation rates and the cost of insurance, set out plainly, with the trade-offs an illustration will not show you.
Is the person looking at your plan set up for a life that crosses borders?
What is reasonable to expect as standard: the right regulatory permissions for the country you actually live in, genuine experience of cross-border cases, and the mechanics explained plainly and put in writing.
When did you last have your cross-border plan reviewed by a specialist?
What changes after a move, and why a cross-border plan drifts out of shape in ways a settled one does not.
How this works
Pharos Introductions does not sell products, does not advise, and does not manage money. What we do is read your situation carefully and connect you with a vetted, regulated specialist who works across borders for a living.
A person reads it
Every submission is read by a person. Nothing is scored by a machine and nothing is auto-forwarded.
We review before anything happens
We review every submission before any introduction is considered. If it is not a fit, we say so.
One deliberate introduction
If it looks like a fit, we introduce you to one vetted, regulated specialist chosen for your country of residence and your circumstances. Matching is case by case.
The specialist does the advising
Pharos is an introducer. We do not sell products and we do not advise. The specialist advises you directly, under their own regulatory responsibility.
The free guide
Plain English, no jargon, and honest about the trade-offs. Answer six short questions and we will send it to you, then a person reads your situation and decides whether an introduction makes sense.
Tell us your situation
We review every submission before any introduction is considered.
This page is general information for internationally mobile individuals living outside the United Kingdom. It is not financial, tax, or legal advice, and it is not a recommendation to buy, hold, surrender, or change any product. It does not assess the suitability of any product for any person. Tax treatment depends on individual circumstances and on the law of the country in which you are resident, and it may change.
Pharos Introductions is an introducer service only. We do not provide financial advice. Any introductions made are to independent financial specialists. You should always seek regulated financial advice before making financial decisions.