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Can you still claim on your insurance if you move overseas?

So, you’re packing your bags, booking that one-way ticket, and living your best life. But hang on—what about your life insurance? Does it come with you?

Short answer: yes, you can still be covered (whether you're overseas for a holiday or you've moved permanently). But there are some important catches to be aware of.

Does working in Army Reserves or Border Force affect your insurance?

If you’re in the Army Reserves or working at sea for Border Force, you might assume your life insurance will treat you like any other civilian worker. After all, you’re not dodging bullets daily, right?

Is cannabis use a red flag for insurers? Let’s break it down.

Cannabis and life insurance. Not exactly the power couple you dream of, but if you’re lighting up occasionally—or using it medicinally—you’ll want to understand what this means for your cover.

How does our insurance process work?

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1. Phone call

We use this call to find out what’s important to you and if we’re a good fit.

2. Proposal fee

We'll assess your needs, review current policies (if any), and provide tailored recommendations (products, coverage) that best suit you.

For Skye Wealth fee:

$330 (single) OR $495 (couple) once-off

For Skye Private fees:

$770 for individuals (once-off)
$1,100+ for couples (once-off),*with key person cover adjusted for complexity.

Please note: Skye Wealth and Skye Private offer tailored advice services, and fee structures may differ slightly based on client needs.

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3. Questionnaire

Step through our simple questionnaire to tell us about your lifestyle, health, finances, and income.

4. Advice preparation

Once we gather all your details, we’ll pre-assess with insurers and map out the best strategy for your unique needs. Keep in mind, this process can take up to 8 weeks, depending on how complex your needs are.

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5. Advice meeting

Once your advice document is ready, we’ll get you to book in a call with your adviser to walk you through the strategy we've crafted and explain our recommendations.

6. Application

Choose from our recommendations, and we'll handle the paperwork and submit your application for you. Keep in mind, this step can take several weeks or even months, depending on the insurer and specific application requirements. We'll ensure you're informed throughout the process.

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7. Policy in force

Once your insurer gives the green light and your policies are active, we’ll let you know right away and provide you with the policy documents. At this point, you can rest easy knowing your family’s safe by having the right insurances in place.

Just a heads up—your first premium payment will be due around this time too. Please make sure you have enough funds available to cover it.

Review

When life changes happen, we're here to help. Reach out to us whenever you need to update your insurance to make sure your insurance is still fitting snugly around your life's needs.

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