Service Update: Residency Definition

Change to residency definition for Individual Protection products

At Aviva, we work to ensure that our products meet the needs of customers, providing sustainable protection for the long term. In line with this approach, we want to inform you that we’ve reviewed and updated our protection residency eligibility definition based on feedback from advisers on behalf of our mutual customers.

We can confirm that, with effect from 9th June 2021 and until further notice, simplified residency definitions will apply to our products as outlined below.

For Life Insurance+, Critical Illness+ and Whole of Life Insurance+:

At the time you complete the application, both you and the life covered must:

•        be in the UK, the Channel Islands, the Isle of Man or Gibraltar, with a legal right to live in that jurisdiction, and

•        consider your main home as being in the UK, the Channel Islands, the Isle of Man or Gibraltar and have no current intention of moving anywhere else permanently.

For Income Protection+ and Living Costs Protection:

At the time you complete the application, you must:

•        be in the UK, the Channel Islands, the Isle of Man or Gibraltar, with a legal right to live in that jurisdiction, and

•        consider your main home as being in the UK, the Channel Islands, the Isle of Man or Gibraltar and have no current intention of moving anywhere else permanently, and

•        be legally permitted to work in the UK, the Channel Islands, the Isle of Man or Gibraltar.

For Business Life Insurance Options:

At the time you complete the application, both you and the life covered must:

•        be in the UK, the Channel Islands, the Isle of Man or Gibraltar, with a legal right to live in that jurisdiction, and

•        consider your main home as being in the UK, the Channel Islands, the Isle of Man or Gibraltar and have no current intention of moving anywhere else permanently.

Companies must be incorporated and registered in the UK.

For Relevant Life Insurance:

At the time you complete the application, both you and the life covered must:

•        be in the UK with a legal right to live in that jurisdiction, and

•        consider your main home as being in the UK and have no current intention of moving anywhere else permanently, and

•        be a UK taxpayer.

Companies must be incorporated and registered in the UK.

For all products this wording remains:

You need to tell us if you move outside of the UK, Channel Islands, Isle of Man or Gibraltar and your main residence is in another territory. Laws in the territory you become resident in may affect your ability to continue to benefit fully from the features of your Policy. We may need to change, reduce or remove any of your policy terms. We’ll give you details once you’ve told us. You should seek your own independent advice to consider your options if you move to another territory.

Regardless of what is set out elsewhere in these terms we will not be obliged to exercise any of our rights and/or comply with any of our obligations under this policy, if to do so would cause, or be reasonably likely to cause, us to breach any law or regulation in any territory.

Whilst our product literature and policy documents will continue to include the previous residency status definition, our claims, underwriting and service teams are fully aware of the new residency definitions and that your customers are accepted on the relevant definition as stated above for applications submitted after 9th June 2021. This is an interim position until the time we can update our product literature and policy documents with the revised residency definitions outlined above.  We will confirm when product literature updates have been made and new documents are available.

If you have any questions, then please contact your Aviva Account Manager.