Residency in many foreign countries presents an extra risk due to local hazards. We may charge a higher premium or be unable to insure applicants who intend to reside abroad. Since conditions change frequently, please consult your Home Office underwriter before submitting an application on anyone who expects to reside outside the U.S.

Applications will not be accepted on, or policies delivered to, individuals who are not physically within the U.S., both at the time of application and policy delivery. Applicants must be permanent residents (Green Card/I-551 or citizenship) of the United States, and have been continuously living here for at least 12 months. Please note residency status and length of time in the U.S. on the application.

If the applicant does not speak and understand English, please contact the underwriter for application instructions.