Why RCBI Is the Best Insurance Policy in 2025

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RIF Trust on Insuring via a New Residency or Second Citizenship

Mimoun Assraoui,  RIF Trust CEO, is aware of the factors motivating HNWIs to investigate Residency by Investment and Citizenship by Investment programs, and insurance is preeminent. “At RIF Trust, we focus on your SMILE. As in Security, Mobility, Insurance, Lifestyle, and Education,” he clarifies.

“You can use new residency and second citizenship programs as an insurance policy.”

Our CEO elaborates: “In this article, we will explain the real meaning of insurance and how to protect your assets and safeguard a legacy for your family.”

What Is Insurance?

The Investopedia definition of insurance is “a contract, represented by a policy, in which a policyholder receives financial protection or reimbursement against losses from an insurance company.” In the world of Residency and Citizenship by Investment (RCBI), substitute contract/policy for residence permit or citizenship certificate. A passport too can be switched in here.

Now, a RCBI unit will not financially reimburse you for anything adverse event that effects your life. But the documents they offer, whether they be residence permits, citizenship certificates, or passports will offer a thick layer of protection.

Imagine if your desired candidate doesn’t win an election. In an increasing polarized political landscape, that could see someone from the opposite end of the spectrum take control. They could implement policies that provide more harm than help to you and your family.

Another scenario could be a future lockdown. Who knows what the next pandemic will be? When it happens, do you want to get stuck in an overcrowded city with a majority or the (potentially tropical) base of your own choosing?

Insure with a European Golden Visa

The Greek Golden Visa is a route to EU residency. Europe is one of the world’s most stable regions.  You qualify for Greek citizenship after 7 years of residing in the country.

Becoming a Greek national entitles you to a Greek passport. It also means you become a citizen of the European Union. This gives you and your family residency, study, and working privileges across the EU.

A Portuguese Golden Visa is another entry point to the European Union. You maintain your residency by spending a minimum of 7 days a year in the country. After 5 years of residence in Portugal, you can apply for a Portuguese passport.

Naturalizing from residency in Portugal is different than in other European Golden Visa countries. In Greece or Spain, they date the process from the day you receive your residence permit. In Portugal the naturalization starts from the day you apply for residency.

Invest in a Spanish Golden Visa and receive a residence permit to enjoy a coveted base in the European Union. This guarantees you visa-free access across the 29 countries making up the Schengen Area. After 10 years of residency, 2 if you come from Latin America or the Philippines, you become eligible for Spanish citizenship.

This will allow you and your family to live, study, and work across the EU. It will also qualify you for to the world’s number 1 travel document, the Spanish passport. You will need to apply by Wednesday, April 2, 2025 as the next day will see this Residency by Investment program close.

More Residency by Investment Programs That You Can Use as an Insurance Policy

The Canada Start-up Visa is a gateway to life in prosperous North America. Traditionally, liberal Canada has been one of the most welcoming countries to immigrants. Following 5 years of Canadian residency you can naturalize as a Canadian national.

This leads to a Canadian passport, another document that doubles as an insurance policy. Canadian citizenship allows you to protect against turmoil in your home country. It’s also a way of ensuring that your children’s education is not interrupted and they can benefit from studying at some of the world’s most highly-regarded schools and universities.

A US EB-5 Investor Visa is another North American entry point. This gives you a Green Card, a premier insurance policy. US citizenship follows after 5 years of residency.

As an American national, you qualify for a US passport. You can insure yourself against what’s happening with your country of birth by starting a passport portfolio. This includes continuing your offspring’s education in America’s leading schools and best US universities.

Another recommended Residency by Investment program is the UK Innovator Founder Visa. Indefinite Leave to Remain (ILR) in Britain offers top-level insurance. 5 years of residency makes you eligible to become a British citizen.

British nationals are entitled to a UK passport. This right extends to your spouse and children under the age of 18. The age limit is in place from the moment you apply for an Innovator Founder Visa.

Insure via Citizenship by Investment Programs

Citizenship through direct investment is possible in Malta. This is thanks to Maltese Exceptional Investor Naturalization (MEIN). As Malta is an EU member, you become a citizen of the European Union.

You can secure a Maltese passport as a Maltese national. Maltese citizenship gives you and your family EU rights. These enable you and your dependents to live, study, and work in any European Union state.

If you want to insurance against the next pandemic, totally tropical Caribbean Citizenship by Investment makes perfect sense. It’s available in Antigua and Barbuda, Dominica, and Grenada. St Kitts and Nevis and St Lucia complete the quintet of Eastern Caribbean countries allowing you to invest in a second citizenship.

These paradise islands are the ideal escape route if you’re fleeing repressive lockdowns. They also provide insurance in the form of a passport. Depending on which program you apply for, you qualify for an Antigua and Barbuda passport, Dominica passport, Grenada passport, St Kitts and Nevis passport, or a St Lucia passport.

How to Secure a RCBI Insurance Policy in 2025

Do you want to obtain this superior insurance? Investing in a new residency or second citizenship is the way to go. Both can see you increase your passport portfolio.

You should get in touch with a specialist in Residency and Citizenship by Investment programs. RIF Trust is that expert. So, contact us now, and we’ll show you how to insure against unexpected events that jeopardize you and your family’s future.