Consult Now

Everything You Need to Know About Firm & Insurance Choices

verything You Need to Know About Firm & Insurance Choices | The Red Pen

Now that all your offers from UK colleges have come in, it’s time to decide which college you would like to attend for your undergraduate degree. Unfortunately, you cannot accept all your offers. You will need to choose only two: a firm choice and an insurance choice. But what do these terms mean and how are you to decide?

Read on to find out how to make an informed decision about firm and insurance choices in the UK.

What do firm and insurance mean?

Think of your firm option as your first choice. This is the course you would pick over all others and where you would want to spend the next three years. This is your dream college. Your insurance option, on the other hand, is your backup. The college you would want to attend in case you don’t meet the conditions of your firm choice.
Usually, conditional offers from your firm choice are higher than your insurance. If you accept and meet the conditions of your firm choice, your place is guaranteed and you are obligated to attend. Typically, the insurance offer is also conditional and, if you do not meet the conditions for your firm choice, you must fulfil your insurance conditions for your place to be confirmed.

How do I choose my firm and insurance choice?

When deciding your firm choice, you will need to balance your desire to pursue a specific college course against your estimate of whether you can meet the conditions attached to it. For example, if your highest conditional offer is 36 points in the IB, with a 6 in all three of your Higher Level (HL) subjects, but you expect to get 38 IB points with 6, 7, 7 in your HL subjects, then you can choose this as your firm. If, however, you think you will get 35 points total, or even 36, but a 6, 5, 5 in your HL subjects, then it would be wise not to choose this offer as your firm, but rather choose the offer that best matches your prediction. This is also why your insurance offer should be lower than your firm.

Do not select firm and insurance choices that have the same conditions, otherwise, you could end up making neither. The objective is to maximise your chances of attending at least one of your final two choices. Being realistic is key. Also, note this technicality: if you achieve the conditions of both your firm and insurance offers you must accept the firm choice, even if you had a change of heart in the interim and feel the insurance is now your first choice. You’ve committed to the firm choice so you must attend that college.

Apart from your ability to meet the conditions, it is equally important to revisit your course and college options. Go through and compare the courses for content, structure and modules offered. Which will you be happiest studying for the next three years, course A, B or C? Answering this question will point you to your firm choice. But make sure that your insurance is also a course you are happy with. Some other factors to consider are the location of the colleges, the extracurricular societies and activities you can get involved in and the Students’ Union. While these are not decisive, they may help you choose your firm between two equally enticing courses.

How do I declare my choice?

Upon receiving decisions from all the colleges to which you applied, the UCAS Track will give you a deadline by which to choose your firm and insurance. Entering these choices in Track will cause all the other offers to be rejected automatically and disappear. This cannot be reversed, so be certain about your firm and insurance before selecting them.

Do I have to select both firm and insurance at the same time?

Yes, you have to decide on your firm and insurance choice simultaneously. If you have received all of your decisions on or before May 2, then you have until the deadline, June 6, to make your choice.

What happens if I don’t meet the condition for either of my choices?

If you miss the criteria for both your firm and insurance choices, don’t worry. You can still apply through Clearing. Once all students have achieved and accepted their offers, some colleges still have spaces left for fresh applicants.

Replying to offers requires careful consideration, so take your time and decide. However, ensure you do not wait until the last minute as this can lead to errors. Before you leave for college, make sure to read our post about how to socialise as an international student here. If you have any more questions or need more help choosing your colleges, get in touch with us.

Share this blog on social platforms

Tags

Related Posts

Load More

Menu

Services

Resources

Instagram Linkedin Youtube Whatsapp Phone-alt

Bay Education Partners Pvt. Ltd. | ©TheRedPen | 2025

Corporate Office: Suite #311, Prasad Chambers, Tata Rd No 2, Charni Road East, Opera House, Girgaon, Mumbai, Maharashtra 400004 | Number: +91 98204 91179

Anusha Bhagat

Chief Operating Officer

PGDM, Indian Institute of Management Ahmedabad;
B.A in Economics, Lady Shri Ram College, Delhi University

Anusha Bhagat is a growth strategist and operations expert with 15 years of
securities-industry leadership across Hong Kong, India and Singapore.
At UBS she served as Chief Operating Officer – Equities & Investment Banking, India,
transforming an at-risk equities franchise with legacy infrastructure into a
robust, growth-ready platform and rolling out new products under enhanced
governance.

She has launched cash-equity, equity-derivatives and prime-broking businesses in
multiple Asian markets and sat on the deal-closing teams for UBS’s
acquisition of ABN Amro’s global F&O business (2006) and the GS-JB Were
Australia joint venture (2003).
Her track record spans in-house M&A, technology turnarounds,
process re-engineering and enterprise-wide risk remediation.

Known for a collaborative, cross-functional working style, Anusha combines
front-office product insight with settlement, control, technology and
regulatory frameworks to deliver end-to-end solutions. She derives energy from
tackling challenging build-outs and supporting teams in achieving
their growth and career goals.

If Anusha weren’t a COO, she would be …
helping early-stage founders scale up as a full-time venture advisor.

The question she’s asked most often …
“How do we turn this legacy process into a competitive advantage?”

Kavita Sonawala

Chief Marketing Officer

MBA in Marketing Strategy & International Marketing – Purdue University Masters of Commerce and Bachelor of Commerce – University of Mumbai

Kavita has 20+ years of experience in marketing and communications at large companies and start-ups in the Asia Pacific, Europe, and North America. She has held leadership roles at the Royal Bank of Scotland as the Chief Marketing and Communications Officer – India, J.P. Morgan as the Country Head of Marketing, Corporate Communications & CSR Programmes, India, and most recently at HSBC as Country Head of Corporate Communications. Kavita has lived in the US, working at Silicon Valley technology companies such as Symantec, IronPort Systems, McAfee Inc., Della & James.com, and Apple Computer. She has won the Top 25 CMO award from the Global CMO Council 2014, the Global Women Leadership Award, and the World Women Leadership Congress & Awards 2014. Kavita has also co-authored and published an exclusive coffee table book with Sachin Tendulkar for the Royal Bank of Scotland. At The Red Pen, she leads the marketing team, bringing her expertise in corporate communications, media outreach, internal communications, digital marketing and growth strategy. Kavita isn’t churning out marketing strategies, she is… A meditation coach, an artist and a mom of two teens. If Kavita could give one piece of advice to students, it would be… Do not give up on your passion while choosing your academic path.

Shikha Dhar

Associate Director, Institutional Services

PGD in Tourism Management, IMS Ghaziabad;
PGD in Marketing Management, NMIMS;
BA in Psychology, University of Delhi;
Welham Girls’ School, Dehradun

Having studied psychology at the undergraduate level and management for her postgraduate studies, Shikha Dhar is an expert at 1-1 communication. An academic gold medalist herself, she understands the importance of creative pursuits and hobbies such as music, art, dance.

Shikha specialises in helping students apply to all majors and liberal arts universities in India and Singapore, Canada, Europe, the UK AND US. She has also served as the University Counselor for The British School Caracas (Venezuela), where in addition to helping students with their applications to countries all over the world and guiding their letters of recommendation, she worked extensively on improving the school’s processes. She is currently the Head University Counsellor at DSB International School, Mumbai. Having worked with a diverse student body comprising 20 nationalities and 200 students, Shikha has guided around 2,000+ applications, all of which have got admits from their top 5 choices.

Shikha has travelled to Doha (invited by Northwestern Qatar) and attended both virtual and in-person IACAC conferences, webinars and online sessions hosted by over 100 colleges and universities.

If Shikha wasn’t an academic counsellor, she would be…
an agony aunt.

The weirdest question she’s been asked as a college counsellor?
“Will I be happy?”

Nainika Ajani

Associate Director, Partner Relations

BSc in Business Management, Cass Business School

Nainika has spent most of her career at The Red Pen and has grown to head the Pre-College Advising service line. Over the last five years, Nainika has created a global network of 150+ partners and student forums ranging in programmes for coding to art, dance, skiing and even summer schools at top global colleges and boarding schools. In 2020 she introduced our flagship Summer Programs Fair, which brought together over 35 Indian and global institutions, with over 800 attendees. In 2021, the fair was virtual with 2,000+ registrations and 30+ partner institutions.

As a mentor, Nainika guides students from grade 8 onwards on building their profile in their formative years and works closely with them to understand their passions, interests and academic inclinations. She offers them a wide variety of enrichment options, allowing students to be robust applicants when applying to university. She has advised a diverse group of students from 25+ countries and has helped with applications to the US, UK, Europe and Southeast Asia.

Nainika has assisted 500+ students through The Red Pen’s exclusive mentorship programme, and all of them have been admitted to leading global universities. She actively volunteered for Akanksha and Senior Citizen Care Taker Services and completed internships at Alvarez and Marshal, and Percept.

The question Nainika is asked most often as a counsellor…
“How can I build my profile to be a competitive applicant to top global universities?”

Her students love her because…
she’s accessible and listens.

Aneri Shah

Manager, Boarding School Admissions

Bachelor of Banking and Insurance
University of Mumbai

Aneri is a seasoned education consultant with extensive experience working with students from diverse regions such as Mumbai, Delhi, Hyderabad, and the Philippines. She brings a unique blend of insight and expertise to The Red Pen. While Aneri was the Human Resource Manager at The Akanksha Foundation, she worked in the selection team at Teach For India, evaluating applications for their prestigious fellowship programmes. She also completed the two-year Teach For India Fellowship Programme.

Aneri excels in identifying the ideal courses for students, using her expertise in candidate assessment and selection. Her ability to match students with the ‘best-fit’ schools that align with their academic aspirations and future goals makes her a valuable asset to The Red Pen. With a certification in risk management from the Institute of Risk Management (IRM), London, Aneri provides holistic guidance, ensuring students make well-rounded decisions about their educational paths.

Her impressive track record includes successful student placements at prestigious institutions such as Sevenoaks, Tonbridge, Millfield, Marlborough, Charterhouse, Rugby, Malvern, Haileybury, Lancing College, Aiglon, Cushing School, and Northfield Mount Hermon, among others.

Driven by a passion for helping students achieve their full potential, Aneri believes there is a right school for every child. She encourages students to push their boundaries and explore new possibilities, empowering them to discover their unique strengths and capabilities.

Mehnaz Jaffer

Associate Director, Sales, Business Development and Marketing, Undergraduate Applications and Preparation

BS in Management Science, The University of Manchester;
A-levels, Kirby Lodge, Cambridge

Mehnaz Jaffer grew up in the United Kingdom and worked as a college counsellor for a British firm. She successfully went through the entire application process with her son, who is currently studying at Carnegie Mellon University, before joining The Red Pen. This gave her the experience required to navigate the admissions process, the ability to understand the importance of choosing the right college and the empathy to help each student with the challenges of admissions.

Under Mehnaz’s guidance at The Red Pen, more than 500 students have gained admits to some of the most prestigious colleges globally. She has also visited over 40 colleges in the US, Netherlands & UK and has successfully worked on applications to over 120 unique colleges.

Understanding each student’s journey and helping them carve the right career path gives Mehnaz a sense of fulfilment. She is committed to her students’ success; compassionate not only about their thoughts, feelings, and emotions, but also about their actions and solutions.

Mehnaz is…
influenced by The Aga Khan’s teachings that focus on the importance of education.

She thinks college is for…
helping students become citizens of the world.

Aarti Anand

Associate Director, Client Servicing, Undergraduate Preparation

MBA, University of Mumbai;
BA in Economics, University of Mumbai

With over a decade of experience in career counselling, Aarti Anand draws on her background of working as a counsellor for Childline, UK and her vast experience as a corporate trainer to help applicants explore their calibre on their own terms. Aarti is also a certified trainer for psychometric tools such as MBTI and FIRO-B. Previously, she has worked as a banker at ANZ Grindlays Bank and founded a career planning venture, CompassOne.

Having navigated the UK boarding school application space with her son, who graduated from Sevenoaks School, Aarti also gained a lot of hands-on experience with the UK undergraduate admissions process when her sons applied and secured admits to The London School of Economics and Imperial College London.

Aarti truly believes that there is a ‘right fit’ boarding school for everyone and uses this philosophy to help each applicant. Her unique ability to connect with applicants and families on a personal level is what allows her to understand where they would thrive, setting her apart from the rest.

Aarti would tell her student self…
to explore and be brave!

Aarti would like to save the world by …
creating equality.

Sheetal Vora

Associate Director, Client Servicing, Undergraduate Applications

Certified College Consultant & Independent Education Consultant, UCLA Extension;
Diploma in Interior Design, Sophia Polytechnic College;
BCom in Economics and Entrepreneurship, University of Mumbai

With over a decade of experience as an entrepreneur and an interior designer, Sheetal Vora applies her problem-solving and design thinking approach to find innovative ways to help students plan their education.

Sheetal leads the undergraduate team at The Red Pen and has visited over 50 global university and boarding school campuses, while also networking with admission officers. Sheetal has worked with families from the US, UK, Canada, Hong Kong, Saudi Arabia, Europe, Pakistan, India and more and has assisted with over 1,500 university applications globally. Even in the pandemic, she and her team experienced one of the most successful acceptance rates with over INR 50 crores in scholarships and financial aid. Additionally, as Sheetal has navigated the application process as a parent herself (her son is currently pursuing his undergraduate studies at Claremont Mckenna College), she strongly resonates with the importance of identifying the ‘best-fit’ university for her students.

Sheetal believes that every student has a unique narrative and works with them to present the best version of themselves in their university applications. She regularly connects with other counsellors and student forums to guide multiple education topics and trains new counsellors so they can inspire their students to make better choices.

Sheetal would tell her student self….
to keep experimenting, nurture your drive and develop a lifelong learning mindset.

She thinks….
adaptable is the new “cool.”

Tripti Singh

Associate Director, Postgraduate Services

MA in Counselling Psychology, University of Mumbai;
BA in Psychology, Sophia College

Tripti Singh is an educational psychologist with 14+ years of experience in counselling and career guidance. Tripti has extensive knowledge of the liberal arts higher education landscape within India and specialises in supporting master’s and PhD applications to leading universities globally.

Tripti has guided over 1,700 students, which has enabled her to develop some unique and invaluable insights She specialises in developing a detailed education roadmap for high school and college students. With numerous university visits over the years and a seat at IECA’s Global Committee, US, she is constantly updated with the changes in international education.

She often conducts workshops as a subject area expert, along with panel discussions. One of these was a panel of coveted social science experts from various parts of the world to discuss the future of social sciences with an engaged Mumbai audience. She has also been invited to speak on career opportunities at prestigious colleges such St. Xavier’s College, Mumbai, NMIMS, Sophia College for Women and a government-run school aided by the Myna Mahila Foundation.

If Tripti could invent a major, it would be….
Parenting 101 (with a thesis required to graduate).

The question she gets the most as a counsellor…
“Will I get a job after I study XXXXX?”

Natasha Mankikar

Manager, MBA services

Manager of MBA Services
M.A (Organizational Psychology), SNDT University;
B.A (Psychology), Mumbai University

Natasha has worked with MBA applicants from diverse fields- consulting, social impact, healthcare, scientific research, marketing, technology development, edtech, fintech, private equity, and entrepreneurship. She draws on 16 years of experience developing human capital at leading Indian and multinational firms to help applicants create compelling narratives for admission to top global business programs, including the M7 schools, INSEAD and LBS.

Natasha’s core talent acquisition and development skills have contributed to her understanding of aspirants and her collaborative approach to helping them discover their unique selves and building an authentic voice to articulate their goals.

Passionate about inclusion and gender diversity, she has spearheaded campaigns to create policies for more equitable workplaces.

Neil Maheshwari

CFO & COO, U.S. News
& World Report,

MBA in Finance, Illinois State University;
Chartered Accountant; CPA; Bachelor’s in Accounting

Neil Maheshwari is CFO & COO of the U.S. News & World Report, L.P. He has overall responsibility for financial strategy, capital allocation, business operations and strategic investments.

He has over 30 years of experience in the media business, especially related to corporate finance, business operations, taxes and digital strategy. He was a key member of the team that led the digital transformation of U.S. News in 2010.

Neil’s career began at the New York Daily News in 1993, following its acquisition by Mort Zuckerman. Over the years his responsibilities have encompassed budgeting, contract negotiations, tax management and IT operations for the New York Daily News, U.S. News & World Report and other media entities under the family’s ownership.

As a member of the executive committee, Neil participates in crucial business-strategy decisions and their implementation. He is also deeply involved in evaluating all potential acquisition and divestiture opportunities for the media companies owned by Mort Zuckerman. His prior experience includes leading the sale of Fast Company to G & J in December 2000, as well as the sales of Atlantic Monthly, Radar magazine, Applied Printing Technologies and, most recently, the New York Daily News to Tribune Publishing in 2017.

Before joining the Daily News and U.S. News, Neil spent over four years with a mid-town CPA firm, specialising in audits and mergers & acquisitions for publishing clients. He also gained experience at the India offices of Arthur Andersen and Ernst & Young.

Namita Mehta

President

M.Biochem in Biochemistry, University of Oxford;
A-levels, Charterhouse

Namita established and led the University Guidance Counseling Department at B.D. Somani International School, Mumbai. At The Red Pen, Namita assists students in planning their educational journey, while also building a talented team and evaluating quality partners to expand our reach for students. She also specialises in training applicants for the Universities of Oxford and Cambridge interview process. Namita currently resides in Mumbai and has lived in Hong Kong, the UK and Germany.

Namita believes education creates impactful change and global citizens who appreciate different cultures. While she works with plenty of Ivy League and Oxbridge admits, her goal is to guide students to find their best-fit institution so that they are happy, thrive and achieve their long-term goals.

As a thought leader, Namita has spoken on several panels, including those organised by HSBC, Ashoka University, O.P. Jindal Global University, International Career & College Counselling (IC3) Network and more. She shares her expertise through a column in the Mid-Day and has been a featured writer for ET Panache, Hindustan Times, The Mint, Mumbai Mirror, HT Brunch, Indian Express, The Tribune, Businessworld and others.

If Namita wasn’t an academic counsellor, she would be …
a biochemist, discovering the cure for COVID-19!

Namita thinks college is for …
growing, learning and forging lifelong friendships.

Namita would like to save the world by …
impacting education policy, such that the future of the country cares about the environment, is less selfish and has an increased civic sense.

Dr. Kimberly Dixit

CEO & Co-founder of
The Red Pen

PhD in Anthropology, Duke University;
BA in Anthropology, University of California, Santa Barbara

Kim has over a decade of experience as an independent education consultant. Her belief, that there is a perfect college out there for every student, guides the ethos and culture at The Red Pen. She has formerly taught anthropology and writing courses at Duke University, St. Xavier’s College, Mumbai and Stanford University. Originally from California’s Central Valley, Kim has also lived in San Francisco, New York and now calls Mumbai home.

Kim’s area of expertise is advisory services for boarding school, undergraduate and MBA applicants aspiring to study in the US, UK and Canada. She guides them on admissions strategy and application components using a structured yet flexible client-centric approach to help define and achieve personal success. She is a member of the International Association of College Admission Counseling (Int’ ACAC), Association of International Graduate Admissions Consultants (AIGAC) and a professional member of the Independent Education Consultants Association (IECA).

Kim has co-authored the book Acing Admissions: The International Student’s Comprehensive Guide to U.S. College Admissions, the second version published in 2020. She has also been a featured writer for ET Panache, Hindustan Times, Mumbai Mirror, HT Brunch, The Mint, Indian Express and more.

If Kim weren’t an academic counsellor, she would be …
a social worker or humanitarian aid worker.

If she could invent a major, it would be …
Human Connections (an interdisciplinary subject between history, literature, psychology, anthropology).

If Kim wrote her autobiography, it would be titled …
Lessons on Blooming Where You’re Planted