Am I still covered if I move to an excluded territory?

Yes, you’re still covered. However, if you pass away during the first 12 months while living outside of the UK, Europe, USA, Canada or Australia and you die because of an accident (or for any other reason) we won’t pay out the cover amount. But we will pay an amount equal to the premiums you’ve already paid. 

After you’ve had your policy for 12 months, if you die because of an accident (or for any other reason) while living somewhere other than the UK, Europe, USA, Canada or Australia, we’ll pay out the full cover amount for a successful claim as normal.