Fire Service Insurance, critical illness cover and income protection
The Insurance Surgery is a specialist in helping people that have hazardous occupations such as Fire Service to get life insurance, critical illness cover or income protection. There are some jobs that are classified as dangerous by life insurance underwriters because of the nature of the activities such as working at heights and in dangerous environments which includes the Fire Service. If you are a member of the fire service looking for life insurance, critical illness cover or income protection to protect your family, home or business then you should talk to an expert who can help you. Anyone wanting to apply for Fire Service Life Insurance, critical illness cover and income protection will find that cover is generally available and can be at the same rate as people without non-standard risks. If you want cover to protect your loved ones or your home then you should be able to get covered with no real need for additional underwriting.
In this area of our Insurance Surgery website we review how an application for Fire Service Life Insurance, critical illness cover or income protection will be assessed by underwriters so that you know how it all works. We are regularly asked by people who have high risk occupations including Fire Service members who need Life Insurance, critical illness cover and income protection to protect their families against loss.
Main risks for Fire Service:
- Working at heights over 40ft
- Dangerous environments
- High risk of injury
Any occupation that involves working at certain heights for a percentage of time or in dangerous environments will often find that there are issues. There can be problems with certain types of policies for Fire Service Life Insurance, critical illness cover or income protection depending on which type of role you have in the fire service.
How Fire Service Life Insurance, critical illness cover and income protection works:
If you are applying for Fire Service 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 work at heights (over 40ft)
- How much of your week is spent working at heights
- Have you taken time off work recently due to accident or illness
If you need help or advice to get a quote for Fire Service Life Insurance, critical illness cover or income protection then you should contact one of our team of insurance experts on 0345 today.
Fire Service Life Insurance
Often we process applications for people wanting to protect their families who have dangerous or hazardous occupation such as Fire Service Life Insurance. It can be often simple to get cover and in many cases there should be no issues for underwriters. However there can sometimes be issues if there are certain disclosures on an application form such as working at heights over a certain level or if you have periods of time off work due to sickness or injury. When applying for straightforward Fire Service 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 Fire Service Life Insurance will be based on:
- How much cover you need and what is it for
- What term do you need cover for
- Which type of Fire Service Life Insurance do you want
If you need guidance to find out which type of Fire Service Life Insurance cover is best to protect your family then you should speak to one of our team of experts to find out more.
Fire Service critical illness cover
It is generally not considered to be particularly high risk when applying for Fire Service critical illness cover based on the fact that there are no related risks for illness resulting from this type of occupation. You should be able to get Fire Service critical illness cover with no need for additional underwriting and the premiums that you pay should be the same as someone with no additional risk factors. Often you will be asked questions about your occupation but this should not be treated differently to a normal application.
Fire Service income protection
It may also be possible in some cases to get a policy to cover for Fire Service income protection based on the levels of risks that can be involved which are potentially high. It is however possible that your situation might be higher risk so you could find that your application for Fire Service income protection could be slightly more specialist . This means that you could end up with some exclusions on your policy as well as possibly higher premiums in some cases depending on the insurer and their attitude to risk for dangerous occupations.
For advice about Fire Service life insurance, critical illness cover and 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 how we can help you.