Expatriates, whether or not they have children, should think about school fees. Their time abroad, with it per Education costs are alarming. Children change your ambitions. At today's prices, educating a child at an independent school from 13 to 18 would cost about 60,000. To cover the whole of a child's school career, from pre-preparatory school to sixth form, would cost up to 100,000 today.
Many parents start planning when their first bill arrives from the nursery or pre-prep.
With life assurance, whether from a life company such as Eagle Star International Life or via a specialist such as the School Fees Insurance Agency, you should have the policy structured as a series of mini-contracts, each one expiring as a bill becomes payable. This has the advantage that if you can't maintain it, you don't have to cancel the whole thing. Once your plan is set up, diversity. Whatever you've done, do something else as well. Go for ultra-secure.