Occupation and residency

Our policies are designed for customers who are resident in the United Kingdom.

The policyholder and life assured must be deemed permanent UK residents at the time the policy starts.

We define UK resident as someone who is:

Habitually resident in the UK for a minimum of 6 months and being resident in the UK for tax purposes.
Habitually resident means the UK is their centre for economic, domestic and social interests.

Occupation

The occupation is required for all applications, with some products requiring additional information due to the nature of the cover provided.

Life and critical illness

For life and critical illness the occupation almost always has no impact on the final terms. Some high risk occupations could attract a rating or an exclusion, examples of these include:

Oil/gas exploration
Armed forces
Height work
Mining or quarrying

Income protection

For income protection the occupation is key to the assessment, as the product pays a benefit to the client if they are unable to work due to injury or illness. In order to provide a fair and accurate assessment we will ask for additional information including whether there any: