Plumber life insurance, critical illness cover and income protection
The Insurance Surgery is the UK’s top insurance expert for people with dangerous occupations such as Plumbers life insurance, critical illness cover and income protection. If you’ve got a dangerous job which can include being a Plumber then you may find it more difficult to get cover such as life insurance, critical illness cover or income protection. There are several potential issues when applying for Plumbers life insurance, critical illness cover and income protection because of the activities that you will generally carry out. When you apply for any type of life insurance or income protection policy, you will be required to disclose a number of facts about your lifestyle, health and job so that underwriters can use to assess your circumstances to understand more about you.
In this area of The Insurance Surgery site we explain how your application for Plumber life insurance, critical illness cover and income protection will be assessed by insurance companies. Our guide to Plumber life insurance, critical illness cover and income protection here will look at underwriting, application process and premiums to explain what will happen to you.
Risks for Plumbers when applying for life insurance:
- Working in construction sites
- Operating dangerous equipment
- Lifting and bending
- Working with hazardous chemicals and materials
There are several groups of occupations that are classed as dangerous due to the daily or weekly activities which can include building and construction work. You can apply for Plumber life insurance, critical illness cover or income protection with all insurance providers however the cover that you will be offered and premiums can vary depending on your particular job as well as which company you are applying to. Cover to protect your family and your home is very 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 suffer financially if something happens to you.
How Plumber life insurance, critical illness cover and income protection works:
If you work in the trades and you need to apply for Plumber life insurance, critical illness cover or income protection then you should consider several points which will be reviewed by underwriters, such as:
- Which type of Plumbing work you do
- Do you work at heights
- What heights do you climb to
- Do you drive more than 25k miles for your job
For advice about what you need to think about when you apply for Plumber life insurance, critical illness cover or income protection then you can speak to one of our team of Specialists on 0800 083 2829.
Plumber life insurance
The majority of applications for Plumber life insurance will be accepted with no need for additional underwriting as they generally do not incur an additional risk from a life insurance underwriting point of view. Your application for Plumber life insurance will usually be offered at what is known as ‘standard rates’ which is the same as insurance rates for someone with no additional disclosures. The other possible result is that you can have exclusions on your cover which will not apply to your Plumber life insurance policy but could be included for additional benefits such as terminal illness benefit. You could find that there are other potential underwriting problems applying for Plumber life insurance which can come from your lifestyle, health or an extreme sport that you do which you will be asked about on your application form.
Premiums for Plumber life insurance will also be based on:
- How much Plumber life insurance you want to apply for and why
- What period of cover you need in years
- Which type of life insurance policy you need
Underwriting for Plumber life insurance will differ from one insurer company to another depending on which company you apply to so it is important to speak to an specialist such as The Insurance Surgery.
Plumber critical illness cover
You will also find that it is easy to get a very competitive quote for Plumber critical illness cover based on your situation and your requirements. Usually you will find that your premiums will be the same as a normal application for critical illness cover as being a Plumber won’t be classed as a high risk for this type of cover. The majority of insurers will offer terms for Plumber critical illness cover so you should make sure that you get quotes from various providers to get the most competitive rates.
Plumber income protection
It may be slightly more tricky to get cover for Plumber income protection to protect your income if you’re unable to work due to sickness or injury whether at work or during your normal day. There are some possible exclusions that may be applied to your offer of cover depending which type of plumbing work you do and which insurer you apply to.
If you need help to get the right Plumber life insurance, critical illness cover and income protection then you should speak to one of our team of specialists on 0800 035 2829 today.