Couriers Life Insurance, critical illness cover and income protection
The Insurance Surgery specialises in helping people with dangerous occupations such as couriers to find life insurance, critical illness cover and income protection. Some occupations will be classed as hazardous by life insurance companies because of the activities such as driving distances over 25,000 miles per year which includes couriers. If you are an courier looking for life insurance, critical illness cover or income protection to cover your family, home or business then you should speak to an expert who has the right experience and expertise to help you. Anyone looking for courier Life Insurance, critical illness cover and income protection should find that cover is available at the same rate as people with no major risk factors. If you need cover to protect your family or your home then you should be able to get covered with no major issues or any need for additional underwriting.
In this section of our site we look at how an application for couriers Life Insurance, critical illness cover and income protection will be assessed by insurance underwriters. We are regularly approached by people with medium risk occupations such as couriers who need Life Insurance, critical illness cover and income protection to protect their families if anything happens to them.
Main risks for couriers:
- Driving over 25,000 miles per annum
- Hazardous working environments
- High risk of accident or injury
Any occupation that involves driving over certain distances which is usually over 25,000 miles per year will often find that there may be issues in obtaining cover. There may be issues with certain types of cover for Couriers Life Insurance, critical illness cover and income protection depending on your own working situation and circumstances.
How Couriers Life Insurance, critical illness cover and income protection works:
If you are applying for Couriers Life Insurance, critical illness cover and income protection then you should find that there are certain questions that will be asked on your application about your occupation, such as:
- Do you drive distances over 25,000 miles per annum
- How much of your working week is spent driving
- Have you previously suffered any injury at work
- Have you taken time off work recently due to accident or illness
If you need more help or advice to get a competitive quote for Couriers Life Insurance, critical illness cover and income protection then you should contact one of our team of experts today.
Couriers Life Insurance
Regularly we help people with applications wanting to protect their loved ones where they have a hazardous occupations such as Couriers Life Insurance. It can be easy to get cover in many cases but there may occasionally be issues if there are disclosures on an application such as driving distances over 25,000 miles per year. When applying for straightforward courier Life Insurance you should find that cover is available with no major issues or problems depending on whether there are any other disclosures.
Premiums for Courier Life Insurance will be based on:
- What amount of cover you require and what is your cover for
- How long would you like to take cover for
- Which type of Courier Life Insurance do you need
If you need help to find out which type of Courier Life Insurance cover is right for you and your family then you should speak to one of our team of experts to find out more.
Courier critical illness cover
Generally it is not considered to be particularly high risk when applying for Courier critical illness cover based on that there are no major risks for illness resulting from this type of occupation. Often you should be able to get Couriers critical illness cover with no need for additional underwriting and the premiums that you pay should be available at standard rates. Often you will be asked questions about your occupation but this should not be treated differently to a standard life insurance application.
Couriers income protection
It is also possible in the majority of cases to obtain a policy to cover for Courier income protection based on the fact that this is relatively low risk. It is however possible that your situation may be more high risk so you could find that your application for Courier income protection could be underwritten slightly differently. This means that you might have exclusions applied to your policy as well as higher premiums in some cases depending on the insurer and their attitude to risk for dangerous occupations.
For expert advice about Courier life insurance, critical illness cover or income protection or for free no obligation advice then you can contact one of our team of specialists on 0800 083 2829 today to see what we can do to help you.
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