Joiner Life Insurance, critical illness cover and income protection
The Insurance Surgery is one of the UK’s leading insurance specialists for people with g medical conditions, dangerous occupations and extreme sports such as Joiner life insurance, critical illness cover and income protection. If you have a dangerous or hazardous job which includes being a Joiner then you may find it slightly more difficult to get a policy such as life insurance, critical illness cover or income protection. There are some possible complications when you apply for Joiner life insurance, critical illness cover and income protection because of the types of activities or daily duties that you may be required to carry out. When you apply for any type of life insurance or income protection policy, you will be asked a number of questions about your lifestyle, health and occupation so that underwriters can accurately assess your individual circumstances to understand your risks.
In this section of The Insurance Surgery website we aim to explain more about how your application for Joiner life insurance, critical illness cover and income protection will be treated by insurers. Our guide to Joiner life insurance, critical illness cover and income protection here will look at underwriting, application process and premiums to explain what will happen in your situation.
Risks for Joiners when applying for life insurance:
- Working at heights
- Operating dangerous machinery
- Lifting and bending
- Working with hazardous chemicals and materials
There are certain occupations that can be classed as hazardous or dangerous because of the types of daily or weekly activities that need to be carried out as part of this type of job which will include building work and construction. You can apply for Joiner life insurance, critical illness cover or income protection with almost all insurance providers but the cover that you will get and premiums offered can vary dramatically depending on your particular role as well as which insurer you are applying to. Cover to protect your family and your home is incredibly important so it is crucial to get it right so that your insurance policy gives you peace of mind that your loved ones won’t struggle financially if anything happens to you.
How Joiner Life Insurance, critical illness cover and income protection works:
If you work in the construction industry and you need to apply for Joiner life insurance, critical illness cover or income protection then you should consider a number of points which will be assessed by underwriters, including:
- Which type of joinery work you do
- How often do you work at heights
- What heights do you work at heights
- How much driving do you do for your job
For more information about what you need to think about when applying for Joiner life insurance, critical illness cover or income protection then you should speak to one of our team of expert advisers on 0800 083 2829.
Joiner Life Insurance
The vast majority of applications for Joiner life insurance that we process will be accepted with no need for further underwriting as they often do not pose an additional risk from a life insurance underwriting perspective. You should also find that your application for Joiner life insurance will generally be offered at what is commonly known as ‘standard rates’ which is the same as insurance rates for someone with no extra disclosures. The other possible outcome is that you can have exclusions on your policy which will not apply to your Joiner life insurance policy but could be included for additional benefits such as terminal illness benefit. You may also find that there are other possible underwriting issues when applying for Joiner life insurance which can relate to your lifestyle, health or an extreme sport that you do which you will be asked about on your application form.
Premiums for Joiner life insurance will also be based on:
- How much Joiner life insurance you want to apply for and why
- What term of cover you need in years
- Which type of life insurance policy you need
Underwriting for Joiner life insurance will vary from one insurer to another depending on who you apply to so it is important to speak to an expert such as The Insurance Surgery.
Joiner critical illness cover
You should also find that it is very possible to get a very competitive quote for Joiner critical illness cover depending on your circumstances and your requirements. Often you will find that your premiums will be the same as a standard application for critical illness cover as being a Joiner should not be classed as a higher risk for this type of cover. Most insurers will offer terms for Joiner critical illness cover so you should make sure that you get quotes from various companies to get the most competitive rates and the most suitable cover.
Joiner income protection
It might be slightly more difficult to get a policy to cover for Joiner income protection to protect your monthly income if you are unable to work due to long term sickness or injury whether at work or during your normal day. There are possible exclusions that may be applied to your offer of cover depending which type of construction work you do and which insurer you apply to.
If you need help or advice to get the right Joiner life insurance, critical illness cover and income protection then you should speak to one of our team of experts on 0800 035 2829 today.