Well I am not too sure just yet who I could recommend but I can tell you one company to avoid and that is A+ International Insurance. Last year I was 60 when I took out a policy with them (through Pacific Prime brokers) and the 1st years Policy was around TB25,000 and after a full year of no claim I hoped for at least no rise in the cost of the policy or even a minimal rise - WRONG - a fraction under NINETY PERCENT was the increase for the second year. I thought it must be a mistake and Pacific Prime went back to A+ for confirmation but I was told to pay up or leave and that's exactly what I did so AVOID A+ like the proverbial plague.