TikTokers & Life Insurance
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TikTokers & Life Insurance
TikTok is actively used by 1 billion people around the world, and is continuing to grow rapidly in popularity. If you are a TikToker, creating and sharing regular content is a key part of your work.
We find that a lot of social media influencers want to chat about income protection and we cover this later in the page.
To start off with we are going to talk through life insurance, one of the simplest insurances you can get. The type of life insurance available will often depend on what you create and post.
When you chat with us we will ask you:
- What types of activities do you engage in for your content?
- Does your work involve frequent travel abroad?
TikTokers that are doing low-risk activities will likely get life insurance at standard terms. It’s taken insurers a while to understand how to position social media influences in their application assessments. Some are still not completely there!
You can find that some insurers will assess you based upon what it is that you do. As an example if you model clothes from the TikTok shop for your followers, they might assess you as a model.
Things can get trickier if what you are doing involves high-risk activities, which can mean that you may face higher premiums. If your content is sports-related, it’s worth visiting our sports-specific pages to better understand how your activities might impact your life insurance options.
Likewise, if you need to work a lot overseas, check out our travel-related pages. UK life insurance providers generally require applicants to be UK residents to arrange life insurance here. But don’t worry—if you spend significant time abroad, we can tailor our advice to explore international life insurance options that suit your lifestyle.
Our advisers are here to help you find the right insurer to match your circumstances, to get you the best terms possible.
TikTokers & Income Protection
Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.
Earning a living as a TikToker is a relatively new career path, and many insurers are still adapting to this unique occupation. One common challenge for TikTokers is fluctuating income, which can make finding the right income protection policy more complex. However, it is possible to get income protection with certain insurers who recognise this type of work.
To identify the best options for you, it’s important to know whether you work through a limited company or are self-employed, as this plays an important factor in determining the most suitable policy.
It’s also really important to know that income protection is all about your inability to work due to your health. It does not cover loss of income due to losing followers, a change in TikToks algorithms or anything other than 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.
TikTokers & 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.
TikTokers considering Critical Illness Cover will find that the terms of your policy will depend on the type of work you do. For those doing “low risk” activities, insurers are likely to offer standard terms. This means you’ll pay the regular premium without any exclusions applied to your policy.
However, if your content focuses on high-risk sports or involves frequent international travel, insurers may adjust the terms. This could include higher premiums or exclusions for activities that present a greater risk of a claim. As an example if you’re a TikToker that showcases base jumping, it’s quite unlikely that you will find a critical illness policy that insures you for traumatic head injury, coma or paralysis. You could potentially get some form of critical illness cover but you must triple check exactly what you are and are not covered for, so there are not suprises.
Our expert advisers will find the right critical illness policy to match your work.
TikTokers & 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
- Anxiety
- Depression
- Fatigue
- Mental Health issues
Occupational Duties
- Analysing metrics
- Collaborating with others
- Content creation and planning
- Editing
- Marketing
- Monitoring trends
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Cura Financial Services has been rated 4.9 out of 5 based on 813 reviews.
Review by Fiona on 7th November 2024
“Highly recommended! Amy was very knowledgeable and understood my needs, this is the second year i have dealt with her and would highly recommend her services!!” - 5
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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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