Current, future and past residency and travel are important risk factors that we take into consideration when underwriting your client’s policy application.

Residence or travel outside the United Kingdom can involve an increased risk. For example, clients may travel to war zones, politically unstable areas or areas with health-related risks.


Residency and travel

Speak to a Pre-sale Underwriter

Need more help? You can contact our team in two ways.

Call us

You can call our Pre-sale Underwriting team on 0370 333 3699.

We’re open Monday to Thursday 9.00am to 5.00pm and Friday 9.00am to 4.00pm.

We may record and monitor calls. Call charges will vary.

Contact us

Get a fast and accurate indication of terms with our Pre-sale Underwriting form, available to you any time.

Just fill in your client’s details, and one of our Pre-sale Underwriters will email you an indication of terms.

More from Adviser Protection

Evidence limits

Find out when and why we ask for medical evidence.

BMI and lifestyle

How we rate your client’s lifestyle and BMI measurements.

Occupation and armed forces

Guidance on our different occupation classes.