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Our international life insurance does not cover you for death due to medical conditions or related conditions that existed prior to the start date of your policy. This doesn’t mean you cannot apply for life insurance if you have pre-existing medical conditions. We may agree to cover you for those conditions, or we may issue a formal exclusion for those conditions.
Your life insurance policy gives you no cover in Iran, Libya, North Korea, South Sudan, Syria, Yemen, or any country or region where the UK FCDO has advised its citizens to leave.
Normally, we only provide insurance to expats (i.e., people living and working outside of their country of nationality). But there are a few exceptions.
You can buy our insurance policies if you’re an expat, a digital nomad or someone who spends at least 6 months of the year overseas. In certain countries, we can provide insurance to non-expats who are permanently resident in their country of nationality.
Yes, you can delay the start of your policy—but not indefinitely.
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