Life Insurance

Life insurance, and why moving abroad changes it

A policy bought at home does not always follow you overseas. Some insurers restrict cover once you become non-resident, some exclude particular countries outright, and a benefit paid in one currency may be worth considerably less in the country your family actually lives in.

Employer group life is the other trap: it is usually a multiple of salary, it is tied to the job, and it ends the day you leave. These guides cover term against whole of life, how much cover is enough, what underwriting will ask for, and how beneficiaries are paid across borders. Explore your options.