Police Service Life Insurance, critical illness cover and income protection
The Insurance Surgery is a top insurance specialist for people that have hazardous jobs such as the Police Service, to get life insurance, critical illness cover or income protection. There are a number of occupations that are classed as high risk by life insurance underwriters because of the type of the activities including as working at heights over 40ft or in dangerous areas which also includes the Police Service. If you work in the Police service searching for life insurance, critical illness cover or income protection to protect your loved ones, home or business then you can talk to an expert who will help you. Someone looking to apply for Police Service Life Insurance, critical illness cover and income protection will find that cover is often available and could be the same premiums as standard risks. If you need cover to protect your family or your home then you may be able to get covered with no additional underwriting.
In this section of The Insurance Surgery website we consider how an application for Police Service Life Insurance, critical illness cover or income protection could be viewed by insurance underwriters. We are regularly approached by people with high risk occupations including Police Service members who want Life Insurance, critical illness cover and income protection to protect their families against financial loss.
Main risks for Police Service:
- Use of firearms or weapons
- Dangerous environments
- High risk of injury
Any occupation involving work in dangerous environments will find that there may be issues. There can also be problems with certain types of policies for Police Service Life Insurance, critical illness cover or income protection depending on which type of role you have in the Police service.
How Police Service Life Insurance, critical illness cover and income protection works:
If you are applying for Police 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)
- What role do you have in the Police Service
- Do you use firearms
- Have you taken time off work recently due to accident or illness
If you need help or advice to get a quote for Police Service Life Insurance, critical illness cover or income protection then you should contact one of our team of insurance experts on 0800 093 2829 today.
Police Service Life Insurance
We regularly process applications for people looking to protect their loved ones who have hazardous occupations such as Police Service Life Insurance. It may often be straight forward to get cover and in most cases there will be no issues for underwriters depending on your role. There can be problems if there are disclosures on an application form including working with dangerous equipment or if you have periods of time off work due to sickness or injury. When you apply for straightforward Police Service Life Insurance you may find that your cover is available with no issues depending on whether there are any other disclosures.
Premiums for Police Service Life Insurance will be based on:
- How much cover you need and what is it for
- What period do you need cover for
- Which type of Police Service Life Insurance do you want
If you need advice to find out which type of Police Service Life Insurance cover is right to protect your family then you should speak to one of our team of specialists to find out more.
Police Service critical illness cover
It is not considered to be high risk in most cases when applying for Police Service critical illness cover based on the fact that there are no related risks for illness resulting from this type of job. You should be able to get Police Service critical illness cover with no additional underwriting and the premiums that you pay will often be the same as someone with no extra risk factors. Often you will be asked questions about your job but this should not be treated differently to a normal application.
Police Service income protection
It can also be possible in a lot of instances to get a policy for Police Service income protection depending on your role. It is possible that your situation might be higher risk so you could find that your application for Police 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 Police Service life insurance, critical illness cover and income protection or for free no obligation quote then you can call one of our team of experts on 0800 083 2829 today to see how we can help you.
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