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Scaffolder Life Insurance

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Scaffolder life insurance, critical illness cover and income protection

The Insurance Surgery is the UK’s top insurance specialist for people who have dangerous occupations which includes Scaffolder life insurance, critical illness cover and income protection. Someone with a high risk job wanting to protect their loved ones or homes will need to consider the possibility of additional underwriting which could potentially result special terms being imposed. Each insurer uses underwriting criteria to assess levels of risk based on their view of each area of claim which includes Scaffolder life insurance, critical illness cover or income protection. The application process for someone wanting to get a Scaffolder life insurance, critical illness cover and income protection policy will require information about your job.

In this area of The Insurance Surgery website we look at the impact of being a Scaffolder on an application for life insurance, critical illness cover and income protection. There are a number of potential results when making an application which can include higher premiums for cover or potential exclusions on your policy such as terminal illness benefit or occupational related benefits.

Some of the possible Scaffolder risks for life insurance:

  • Working at heights
  • Operating heavy and dangerous machinery
  • Using dangerous equipment or materials
  • Risk of injury

There are a number of reasons why a persons job might be considered to be higher risk compared to a standard application and one of the highest risks are working at heights. Scaffolder life insurance, critical illness cover and income protection can be considered to be one of the higher risk occupations for cover.

How Scaffolder life insurance, critical illness cover and income protection works:

Someone wanting to apply for Scaffolder life insurance, critical illness cover and income protection will be required to disclose information about their daily activities and other details such as:

  • What is your role
  • How often do you work at heights
  • What heights do you work at

To speak to one of our specialist advisers about how to get a competitive quote for Scaffolder life insurance, critical illness cover and income protection then you should call 0800 083 2829 today.

 

Scaffolder life insurance

Generally it will be very possible to get a Scaffolder life insurance policy to protect your family and your home if anything should happen to you. The majority of mainstream insurance providers in the UK will accept an application for Scaffolder life insurance depending on the levels of risk involved due to heights that you work at. Often for the majority of scaffolders that work on housing projects and standard heights, there should be no issues and cover can be available at standard rates. It is also possible that your application for Scaffolder life insurance could incur additional underwriting which may result in further premium increases.

Premiums for Scaffolder life insurance are based on:

  • How much cover you need and what is your cover for
  • How long do you want to take the cover for
  • Which type of Scaffolder life insurance policy are you looking for

Your premiums will also depend on several other areas including your lifestyle and your health to give underwriters the information that they need. There are a number of health and lifestyle issues which can also have a major impact on any application for Scaffolder life insurance premiums, such as:

  • Do you smoke or have you smoked in the past 12 months
  • How much do you drink on average per week
  • Have you got any pre-existing medical conditions
  • Do you take part in extreme sports

If you need more help or advice to get the right scaffolder life insurance cover you should contact one of our Insurance Surgery experts.

 

Scaffolder critical illness cover and income protection

It is also possible to get Scaffolder critical illness cover and income protection policies which are designed to protect you if you cannot work short term or long term. Our team of insurance experts will help you to understand what a critical illness cover or income protection policy might help you.

It might be possible to get a Scaffolder critical illness cover and income protection policy depending on your job role and the type of lifestyle or your health.

To speak to one of our team of Scaffolder life insurance, critical illness cover and income protection specialists you can contact us on 0800 083 2829 to get a competitive quote the UK’s top insurance providers.

 

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