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    I'm currently in my 3rd year at university and this summer I have luckily been offered an internship at a mid-sized actuary firm. If I don't mess it up it is likely they will offer me a place on their graduate scheme.

    My dilemma is that I want to take a year out to go travelling and improve a language I have been learning once I have finished my masters. Would a company allow me to defer starting a grad scheme by a year? Or if I did turn down their offer/not get an offer would a year of travelling reflect badly on future applications for grad schemes in finance?


    Most larger firms wouldn't mind, but if it's mid-sized with smaller intakes they might be less flexible in terms of resourcing.

    If I were you I would accept the internship offer, make a good impression, get the grad scheme offer and then ask.

    And no, I don't think it would reflect badly on future applications if you were to turn down the offer and take a gap year. You're clearly keen to develop your language skills – that's a positive.
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