The short answer
It can. Income protection and life cover have different benefit triggers, residence conditions and claims assessment requirements.
Legal & General specifically directs people with income-protection and critical-illness benefits to their individual policy terms when relocating. A life policy remaining valid does not establish that every additional rider or income benefit will operate overseas.
What to do next
Ask the insurer about territorial limits, occupation, proof of earnings and where claims medical evidence must be produced.
Legal & General
This official website is a relevant starting point for this question. Product access or eligibility depends on where you live and the provider's own requirements.
Visit Legal & General ↗Official website — not an affiliate tracking link. A resource link does not imply that every reader qualifies for its services.
Questions people ask
Which choice does the guide make for does moving abroad affect income-protection cover even if life insurance continues?
It can. Income protection and life cover have different benefit triggers, residence conditions and claims assessment requirements.
Which residency or country restrictions apply to does moving abroad affect income-protection cover even if life insurance continues?
Yes. This page describes the rule or example for United Kingdom. The contract, residence and tax rules in another jurisdiction can differ.
Primary source
Our answer is based on guidance published by Legal & General expatriate guidance.
This article explains the published general rule or provider example. It does not establish personal eligibility, a guaranteed allocation or an individual tax outcome.
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