Individual Protection from AIG

Cover for Non-UK Residents

We can now consider cover for non-UK residents - both British citizens (expats) resident almost anywhere in the world, and also foreign nationals resident in over 40 countries.

N.B. We can only consider applications for Jersey, Guernsey, Isle of Man or Gibraltar residents submitted by firms based in these jurisdictions and directly authorised by the respective Financial Services Commission.

You can use this simple tool to determine whether we could consider cover for your non-UK resident clients.


Medicals / Evidence


  • Medical exam - if required, we can arrange it overseas when premium > £100pm (per life).

  • GP information - if medical records aren’t held with a UK, Channel Islands, Isle of Man or Gibraltar GP we are unable to request them.  If GP information is needed the client can send us any medical information they have, in English, to see if we can use it to complete underwriting.

  • Financial evidence - if required, client will need to obtain it for us, in English.

Claiming overseas

  • Death - the person covered, or the child of the person covered, can be living anywhere.

  • Terminal / Critical Illness - the person covered, or the child of the person covered, can be living anywhere, but the doctor diagnosing them must be in an ‘eligible’ country:            

Australia France Italy Slovakia
Austria Germany Japan Slovenia
Belgium Gibraltar Luxembourg Spain
Canada Greece Malta Sweden
Channel Islands Hong Kong The Netherlands Switzerland
Cyprus Hungary New Zealand UK
Czech Republic Iceland Norway United States
Denmark Ireland Poland  
Finland Isle of Man Portugal  

Quoting / Applying

You can quote and apply online as normal. Click here to log-in.

Pre-Sale Underwriting

If you require confirmation of exactly what cover will be available for a particular client, what evidence we will need and/or whether there will be premium increase before submitting an application, please call our underwriters on 0345 600 6812. They will need to know full details of the client’s residency, occupation and travel.

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