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As specialists in Income Protection, we’ll always do our best to put cover in place for your clients. We’re proud of our fair, inclusive and personal approach to underwriting:


To apply your client must be:

  • A UK resident (excluding the Isle of Man and the Channel Islands), and have been for the last 2 years.
  • Registered with a UK GP for the last 2 years – with access to their medical records for at least the last 2 years.
  • Aged 18 to 59.
  • A UK taxpayer with a UK bank or building society account.
  • Employed or self-employed and not planning to retire within the next 5 years.
  • Actively at work, fit enough to do all the duties of your occupation, and not working in any of our excluded occupations.



Your clients must reside in the UK for at least 183 days a year to be classed as a UK resident. We can be flexible for those who qualify for seafarers tax allowance.


Help us to help you

Here's a quick handy guide highlighting some of our pre-sale underwriting hints and tips.


Frequently Asked Questions

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