Prison Service life insurance, critical illness cover and income protection
The Insurance Surgery is a top insurance specialist for people who are high risk or non-standard because of their occupation such as Prison Service life insurance, critical illness cover and income protection. There is a wide variety of occupations that higher risk because of the type of duties that are involved for people who do these jobs. For people who want Prison Service life insurance, critical illness cover and income protection there are some clear risks involved with this type of job if you need to protect your family or home. In the majority of cases there will should be no major need for additional underwriting when applying for Prison Service life insurance, critical illness cover and income protection, but you will need to disclose information about the occupation that you have. Underwriters will want to know about your role and what level of hazardous activities that you do during your time at work.
In this section of The Insurance Surgery’s website we consider at how an application for Prison Service life insurance, critical illness cover and income protection will be assessed by underwriters. We regularly deal with enquiries for people looking to provide their families with financial security should something happen to them.
Main risks for Prison Service experts:
- Working in dangerous environments
- Using potentially hazardous tools or equipment
- Risk of injury or accident
Jobs that can be viewed as hazardous generally have similar potential issues from an underwriting view which will incur different costs depending on the element of risk. There are several possible outcomes when applying for cover such as Prison Service life insurance, critical illness cover and income protection which will depend on your individual situation. When you apply for a dangerous occupations policy you will go through the same process as anyone who is classed as standard apart from disclosure of additional information.
How Prison Service life insurance, critical illness cover and income protection works:
If you want to apply for Prison Service life insurance, critical illness cover and income protection then you will find that underwriters will want to know about your job to see what potential risks are involved, including:
- What is your role in Prison Service
- What type of equipment do you use
- Have you had any time off work because of illness or injury
For advice or a quote for Prison Service life insurance, critical illness cover and income protection then you can contact one of our team of specialists today on 0800 0832829 for help.
Prison Service life insurance
You will find that Prison Service life insurance will be available from the majority of the top insurance companies and rates will vary from standard rates to possible increased premiums depending on your role. The Insurance Surgery often looks after people with high risk occupations who want to protect their families and pay less for cover including Prison Service life insurance which can be considerably higher risk. You will be required to provide information about your job to find out how high risk you are and whether you could attract an increase in premiums.
Premiums for Prison Service life insurance will be based on:
- How much life insurance you need and what is your cover for
- What term would you like to take cover for
- Which type of Prison Service life insurance cover are you looking for
To speak to one of our team of insurance experts to get a quote for Prison Service life insurance then you can call The Insurance Surgery on 0800 083 2829 to protect your family and your home.
Prison Service critical illness cover
If is also very possible to get a policy for Prison Service critical illness cover in the majority of cases where there are no other medical or health disclosures. It may be that you are higher risk because of your job or something else and you may need to pay slightly more for your Prison Service critical illness cover policy however this can vary from one insurance provider to another. You may also find that there will be certain possible exclusions applied to your policy which can include total and permanent disability.
Prison Service income protection
It is also very possible to get an income protection policy to provide cover if you are unable to work due to long term sickness or injury. It could be more difficult to get this type of cover due to the tasks involved with this type of occupation and the increased risks of injury.
For more information about a Prison Service life insurance, critical illness cover and income protection you can speak one of our team of specialists on 0800 083 2829 today.
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