Authors & Life Insurance
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Authors & Life Insurance
Are you an author? Whether you write books or articles, or whether you are a ghost writer or travel writer, we can help you to get life insurance.
We will match you with the right insurer, tailored to your needs, and give you clear advice on the best life insurance options to protect your loved ones.
To start things off we will ask you:
- Do you need to travel abroad for research?
- Do you need to spend more than one week abroad for work?
- Do you need to take part in any sports for research?
As an author, your job is generally considered low risk for life insurance, so most insurers should offer standard terms (basic premiums).
However, your options might change depending on the nature of your work. For example, if you are a travel writer, the insurance providers will be interested to know more information on the places you travel to, how long you stay abroad for, and how often you travel abroad. Similarly, if you are a ghost writer, we will need to ask you questions on whether you travel abroad for work and also how long you travel for.
If you’re planning on writing a book about all the super intense high risk sports you are going to do, that’s also probably going to make the insurers take an extra look at your life insurance application.
If you are travelling a lot of doing high risk sports as part of your work, there is the potential that the insurers could offer you non-standard terms for life insurance. This usually means an increase to the life insurance premiums. For most authors this is unlikely, but it is always best to check.
Our advisers are here to help you find the right insurer to match your circumstances, to get you the best terms possible.
Authors & Critical Illness Cover
Critical illness cover pays out a cash lump sum of money, if you are diagnosed with a medical condition that is listed in the insurer’s claims set e.g. cancer, heart attack, stroke.
Critical illness cover is typically available at standard terms for most authors. Your job as an author is generally not considered to increase the likelihood of a critical illness claim.
However, you might need to be quite selective about where you apply for critical illness cover if you need to travel outside of the UK for work. Critical illness cover can sometimes be a bit more complicated if you are outside of the UK for quite a while each year. This is because the insurer not only needs to think about your health now and the types of treatment you could get if you become quite ill in the UK, they also need to consider the type of medical support you can potentially access abroad.
Our expert advisers will find the right critical illness policy to match your work.
Authors & Income Protection
Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.
Getting income protection as an author is usually straightforward. However, insurers will need details about your employment status, as different income protection policies are better suited to different situations.
If you’re self-employed or working through a limited company, seeking professional advice is crucial to finding the right policy and insurer. Self-employed income often fluctuates, and there are specific income protection policies designed to accommodate this variability.
It’s really important to know that income protection does not pay out for lack of work, or loss of contracts, it is purely about your ability to work due to your health.
Our advisers recommend income protection for people every day and we will be able to let you know exactly what you can have. Get in touch today for a no obligation quotation.
Authors & Travel Insurance
We work alongside a specialist travel broker to get you the travel insurance that you need. It is even more important to make sure that seek advice if you are regularly travelling outside of the UK to see your clients. To find out more, please visit our travel page here.
Possible Risks
- Eye strain
- Locking of fingers
- Lower back pain
- Neck and shoulder pain
- Pins and needles in arms and hands incl. muscle spasms
- Repetitive strain injury
- Restless legs
- Stiffness/swelling of limbs
Occupational Duties
- Book signings
- Plan, organise, review work
- Promotional tours
- Publish blogs
- Research subject matter
- Social media engagement
- Work with editors
- Write books, scripts, poems, technical guides
- Write newspaper columns
- Write research
Client Reviews
Cura Financial Services has been rated 4.9 out of 5 based on 813 reviews.
Review by Ross on 19th December 2024
“Very good and tailored to my needs and efficient.” - 5
You can read more of our reviews here.
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Dr Kathryn Knowles Phd
Author
This page was written by Dr Kathryn Knowles Phd, an award-winning insurance adviser. To read more about Kathryn please see her bio here
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