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Miner Life Insurance, critical illness cover and income protection

The Insurance Surgery is the UK’s top insurance experts for people with medical conditions, dangerous jobs and extreme sports or hobbies which includes Miner life insurance, critical illness cover and income protection. If you have a dangerous job like being a Miner or working in the mining industry then you could find it slightly more difficult to get a policy such as life insurance, critical illness cover or income protection. There are a number of potential risks when you apply for Miner life insurance, critical illness cover and income protection because of the types of activities that you will be required to carry out. When you apply for any type of life insurance or income protection policy, you will be asked questions about your lifestyle, health and occupation so that underwriters can accurately assess your individual circumstances to understand your risks.

In this area of The Insurance Surgery website we explain about how your application for Miner life insurance, critical illness cover and income protection will be viewed by underwriters. Our guide to Miner life insurance, critical illness cover and income protection here will look at underwriting and application process for premiums to explain what will happen in your situation.

Risks for Miners when applying for life insurance:

  • Working underground
  • Operating machinery
  • Lifting and bending
  • Working with hazardous chemicals and materials

There are occupations that can are classed as dangerous due to the types of daily or weekly activities that are carried out as part of this type of job which will include mining work. You can apply for Miner 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 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 critical 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 Miners Life Insurance, critical illness cover and income protection works:

If you work in the mining industry and you need to apply for Miner 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 mining job you do
  • How often do you work underground
  • What length of time do you spend underground

For more information about applying for Miner life insurance, critical illness cover or income protection then you should speak to one of our team of advisers on 0800 035 2829.

 

Miners Life Insurance

The majority of applications for Miner life insurance that we process are accepted with no need for further underwriting as they often do not pose an additional risk from a life insurance underwriting perspective. You should find that your application for Miner life insurance will generally be offered at ‘standard rates’ which is the same as insurance rates for someone with no additional disclosures. The other potential results is that you can have exclusions on your policy which will not apply to your Miner life insurance policy but could be included for additional benefits such as terminal illness benefit. You could also find that there are other possible underwriting issues when applying for Miner 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 Miner life insurance will also be based on:

  • How much Miner 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 Miner 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.

 

Miners critical illness cover

You should also find that it is very possible to get a very competitive quote for Miner 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 Miner should not be classed as a higher risk for this type of cover. Most insurers will offer terms for Miner 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.

 

Miners income protection

It might be slightly more difficult to get a policy to cover for Miner 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 Miner life insurance, critical illness cover and income protection then you should speak to one of our team of experts on 0800 035 2829 today.

 

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