| (a) | are aged over 18 but under 64 and are not normally resident in your own
country of domicile, |
| (b) | are actively working and have been in continuous employment for more than
12-months before the insurance start date or you are self employed, |
| (c) | work in an administrative, clerical or similar office based occupation, |
| (d) | you are not a United States national, |
| (e) | are in good health and know of no impending incapacity; |
| | The insurers will then underwrite and assess your application. Your application form will
include questions about your medical history, earnings, occupation and other
personal circumstances. We may request additional information to support your
application at our expense. You should be aware that pre-existing conditions
will not be covered unless specifically agreed in writing by us. |
| | Pre-existing medical condition means any sickness, condition, injury, illness, chronic
or recurring disease which you: |
| (i) | knew about or in our reasonable opinion should have known about at the start
date; or |
| (ii) | have received treatment or advice (including regular or routine examinations or
consultations to monitor the condition) in the 24-months prior to the start date. |