I would not recommend anyone ever to buy cover from Regency For Expats. When my brother died,we thought everything would be ok because he had a valid life insurance policy.However they have denied our claim,using every tactic to avoid paying.Our only option now is to take legal action to recover monies owed to his family. With respect for my brother we will continue to fight for fair...My advice to anyone wanting to buy Health and Life Insurance is to search for a more reputable insurer. As for Regency for Expats,be sure we will endeavour to successfully bring justice for my brother,his wife and 12 year old son to give them the future they deserve. Finally words cannot convey how truly despicable this company is. Regency for Expats shame on you...