What Happens to Your Life Insurance If You Move Out of Texas

Bought your life insurance policy while living in Texas, but planning to relocate? Whether you're heading to another state for work, family, or retirement, you might be wondering:

Will my life insurance still work if I move out of Texas?

Good news—yes, it will. But there are a few things you should review to make sure your policy keeps working exactly how you want it to.

Let’s walk through what changes (and what doesn’t) when you take your Texas life insurance policy to a new state.

1. Your Policy Follows You—No Matter Where You Move

Life insurance is not tied to your location. Once your policy is active, it stays in force as long as you:

• Keep paying your premiums
• Don’t let the policy lapse
• Follow the contract terms

So if you move from Austin to Atlanta, or from Houston to Chicago, your policy is still valid and legally binding—even if it was issued by a Texas-based agent or insurer.

2. Your Premium Doesn’t Change Based on Where You Live

Some people worry that moving to a different state with higher living costs or different risk factors might raise their rate.

Here’s the truth:
Your life insurance rate is locked in at the time you apply.
Where you move later won’t impact your monthly cost.

So if you got your $500,000, 30-year term policy in Dallas for $32/month, it stays $32/month—even if you move to California, Florida, or anywhere else in the U.S.

3. Update Your Contact Information

Your policy is still active—but your insurer needs to know how to reach you.

Make sure you:

• Update your mailing address and email
• Confirm your beneficiary details are still accurate
• Check if you need to update bank info if you move banks

This prevents missed payments or policy lapse notices getting lost in the mail.

4. Your Agent May No Longer Be Licensed in Your New State

If you move out of Texas, the agent who originally helped you may not be licensed in your new state. That doesn’t affect your policy—but it does mean:

• They may not be able to help you with new coverage
• They may refer you to a local agent for future changes or questions
• You can always contact the insurance company directly for service

Already working with me in Texas? If you move, I’ll still support you as long as I’m licensed in your new state. (I’m currently licensed in: TX, GA, SC, NC, FL, MI, MD.)

5. Local Regulations May Affect New Policy Options

If you're planning to buy additional coverage in your new state, local insurance laws may impact:

• Product availability
• Riders or living benefit options
• State-specific consumer protections

For example:
Some states have different rules on how fast a death benefit must be paid out, or how living benefits are triggered.

If you’re adding coverage after your move, it's a good idea to speak with a licensed agent in your new state to explore the options available there.

6. Does It Matter Where You Pass Away?

Not at all.
Life insurance pays out no matter where you pass away, as long as the policy is active and in good standing.

Whether you're living in Texas, visiting another state, or traveling abroad, your beneficiaries will still receive the benefit.

Real Example: Texas Policyholder Moves to Colorado

John, 40, bought a 30-year term policy while living in San Antonio. After a job promotion, he moved to Denver two years later.

What changed?

• Nothing with his coverage amount or premium
• He updated his mailing address with the insurer
• His agent in Texas connected him with a Colorado-licensed contact for future questions
• His policy continues to protect his wife and two children—no problem

Final Word

Moving out of Texas doesn’t cancel your life insurance. Your policy stays with you wherever you go.

But it’s smart to:

• Update your contact details
• Double-check your beneficiary info
• Ask your agent if they’re licensed in your new state (or can refer you to someone who is)
• Consider new or supplemental coverage if your life stage or income changes

Still need coverage before leaving Texas? Now’s the time to lock in Texas-based rates and options before you go.