Retirement abroad is a dream with one hard constraint: most international insurers apply an entry age limit, and almost all underwrite pre-existing conditions differently after 60.
Secure entry before the age cut-off
Entry limits typically sit between 65 and 75. Once you are inside a guaranteed-renewable contract, the insurer cannot remove you for age or for a condition that develops later.
- Declare everything at underwriting — non-disclosure voids claims.
- Prefer lifetime renewability over a cheaper annually re-rated plan.
- Check evacuation cover if you retire outside a major city.
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