Products & Services

Many domestic life policies do not cover you if you have been an expatriate for more than 3 months, and therefore you may not be covered whilst working and living abroad.
We can arrange new portable international life cover which can be taken with you wherever you go.

Having international life insurance allows peace of mind that should the unexpected happen your loved ones will be provided for.


It is an essential requirement for all expatriates to have International health insurance as it ensures that, wherever you are in the world, you and your family have access to the highest quality medical care.

Regular savings are the cornerstone of future financial security; well-placed savings provide you with the peace of mind that your money is working to secure the financial future you want.

It is never too early to begin saving for a known future expense such as a child’s education, a mortgage, retirement or even a new car.

Financial security and peace of mind are two of life’s great gratifications. Of course, we know that satisfying those aspirations can be a challenge. As an investor, deciding what product to use and which investment options to opt for and who should manage those investments are decisions that are critical to achieving your financial objectives.

Everyone’s needs are different, therefore having a discussion with one of our advisors can help to determine the best course of action suitable for you.

Our pension advice and education is designed to provide clients with greater control over their retirement options. We work with the leading product providers in the financial industry to offer a comprehensive choice of retirement planning products.

Thinking and acting early can help in allowing you the freedom to retire when you want to – not when you have to.

TFL works with a number of banks within the Isle of Man, giving clients a number of banking solutions in a choice of different currencies and the ability to make international transfers with ease.
Offerings range from instant access (ATM – debit card) accounts through to fixed-term products that allow access in the medium-term.

No one wants to think about death in the prime of life. But it is important to decide what will happen to your assets when you die, who will look after your children if they are still young, and how will your estate be distributed.

Setting up a will can ensure your desires are met even after you are gone.