Calgary, Alberta — In today’s global world, many Canadians are choosing to relocate overseas — whether for work, retirement, or family reasons. But a common question arises for those with existing life insurance policies: What happens to my life insurance policy if I move abroad? Punjab Insurance Inc., led by experienced insurance advisor Gurinder Chahal, is here to help answer this vital question and provide expert guidance to individuals navigating international transitions.


Understanding Life Insurance Coverage When You Move Abroad
When moving abroad, your life insurance policy doesn’t automatically become void, but several important considerations can affect its validity, premium rates, and claim processes. The impact largely depends on the type of policy you hold, the insurance provider’s regulations, and your new country of residence.

1. Type of Life Insurance Matters
If you have a term life insurance or whole life insurance policy with a Canadian provider like Punjab Insurance Inc., your coverage generally remains intact even if you relocate. However, it’s crucial to notify your insurer about your move to avoid complications in the future.

2. Residency and Risk Assessment
Insurance companies consider the country you’re moving to when determining risk. Some countries may be flagged as high-risk due to political instability, poor healthcare infrastructure, or higher mortality rates. In such cases, your insurer may adjust your premium or impose limitations on your coverage.

3. Claims Process for Beneficiaries Abroad
Living overseas doesn’t mean your family back in Canada (or abroad) can’t receive the policy benefits. However, the claims process may be more complex, requiring notarized documents, official death certificates from foreign governments, or even proof of residence. Working with a trusted advisor like Gurinder Chahal ensures your loved ones are well-prepared and fully informed.

4. Currency and Taxation Considerations
Moving abroad could introduce foreign exchange and tax implications. Some countries tax foreign-earned income or inheritances, which could impact your beneficiaries. It’s advisable to consult both your insurance advisor and a tax professional to plan effectively.


How Punjab Insurance Inc. Can Help
Navigating insurance while planning a move abroad can be overwhelming. At Punjab Insurance Inc., Gurinder Chahal and his team specialize in supporting clients through life’s major transitions — including international relocation.

“Our goal is to ensure that your life insurance coverage continues to protect your family no matter where you live,” says Gurinder Chahal, a seasoned advisor based in Calgary. “With the right strategy, we help you retain peace of mind knowing your policy remains valid and your loved ones are covered.”

Why Choose Punjab Insurance Inc. and Gurinder Chahal?
✅ Licensed Experts: We offer personalized advice and tailor-made insurance solutions, including Super Visa Insurance, life, health, and travel insurance.
✅ Multilingual Support: Our team speaks English, Punjabi, Hindi, and Urdu, ensuring clear communication with clients from diverse backgrounds.
✅ Client-Focused Approach: We prioritize your needs, guiding you every step of the way through complex policy adjustments or claims processes.
✅ Nationwide & Global Service: Though based in Calgary, we serve clients across Canada and provide expert advice for those relocating internationally.
Planning a Move Abroad? Talk to Us First
Whether you’re retiring in Europe, working in the Middle East, or relocating to the United States, Punjab Insurance Inc. will walk you through how your life insurance policy may be affected — and what you can do to maintain optimal coverage.

Super Visa Insurance Specialists
In addition to life insurance guidance, Gurinder Chahal is a trusted provider of Super Visa Insurance — a vital requirement for parents and grandparents visiting Canada under the Super Visa program.

We help clients:

Compare the best Super Visa Insurance quotes
Understand coverage terms
Meet Canadian government requirements
Get fast, reliable coverage for visiting family members

Contact Punjab Insurance Inc. Today
Ready to secure Super Visa Insurance or need clarity on your life insurance before moving abroad? Speak directly with Gurinder Chahal and his knowledgeable team today. We’re committed to helping you make informed decisions and protecting what matters most — your family’s financial security.

📍 Visit Us:
1129–3730 108 Ave NE, Calgary, AB T3N1V9

📧 Email:
[email protected]

📞 Call Now:
587–707–7000

Experience peace of mind with Gurinder Chahal — your trusted partner for Super Visa Insurance and life insurance solutions in Calgary and beyond.

About Punjab Insurance Inc.
Punjab Insurance Inc. is one of Canada’s leading insurance brokerages, offering a wide range of personal and commercial insurance services. From life and health insurance to Super Visa Insurance and travel coverage, we’re here to support Canadian families with trusted advice, competitive rates, and exceptional service.

Media Contact:
Gurinder Chahal
Punjab Insurance Inc.
[email protected]
587–707–7000
www.supervisa-insurance.com