If you plan to move abroad to live or work, check your existing life-insurance terms before you leave. A change of residence, destination, occupation or travel pattern may affect cover or claims, and different insurers have different rules. Do not assume that continuing to pay premiums means every event overseas remains covered.
What should I check with my current insurer?
Tell the insurer where you expect to live, how long you will be away and what work you will do. Ask for written confirmation of any territorial limits, notification requirements, exclusions, currency or payment arrangements, and what happens if you later return to the UK. Keep a copy of the response with your policy documents.
Will an existing policy continue?
That depends on its wording and the insurer’s assessment. Some policies may continue unchanged, while others may require a review or have restrictions. Only your insurer can confirm how your current policy applies to your circumstances.
What if I need new cover?
Insurer availability, premiums and underwriting requirements can vary by country of residence, occupation, health and the type of cover requested. There is no universal rule that expat cover costs the same as UK-resident cover, or that an application will be accepted. Compare the proposed benefits, exclusions and claims arrangements as well as any quoted premium.
Do not cancel existing cover until any replacement you decide to take out is in force. A new application may not be accepted on the same terms.
Discuss expat life cover
Read our Expat Life Insurance guide and contact IM-Insured if you would like to discuss the available next step. An enquiry is not an instant quote or a guarantee of insurer acceptance.
