Life Insurance for People Working at Heights
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We are often approached by people who work at heights who have struggled to place their Life Insurance or have been offered ridiculously high premiums that they simply cannot justify. Some examples are scaffolders, rope access technicians, roofers, window cleaners, power line engineers, wind turbine engineers and oil rig workers, although there are many more.
The good news is that if you know where to look and who to approach there are often companies willing to offer cover at sensible prices for people who work at heights. After all the security measures in place for most people working at heights now are so strict that you are nearly as safe as you are on the ground!
How much could the Life Insurance cost?
This is dependant upon a number of factors including but not limited to your age, smoker status, geographical location of work and your medical history. To give you an idea of how much the Life Insurance may cost for someone who works at heights please look at the table below for some potential policy pricing.
For a male non-smoker, 30 years of age with a clear personal and family medical history:
| Type of Cover | Sum Assured | Policy Term | Monthly Premium* |
|---|---|---|---|
| Life Insurance | £150,000.00 | 25 years | £10.13 |
| Life and Critical Illness | £150,000.00 | 25 years | £35.90 |
We have also included a potential premium for Life and Critical Illness Cover as this is something that many people find a beneficial add on to their standalone Life Insurance. Critical Illness Cover will pay out the sum assured on a policy if you suffer from a serious illness that is covered by the insurer at the time that your policy is taken out. If you work at heights there is an increased risk of a serious injury from your occupational duties so it would be worthwhile considering this valuable cover.
We can also look at Income Protection for people who work at heights.
Video Transcript
Hi, today I’d like to talk to you about Mr. R. Robert came to us. He was a man in his thirties, early thirties and a non-smoker, and the reason he came to us was because he is a rope access technician. He would spend about 60% of his day working at about 40 feet. Sometimes he would potentially go up to 50 meters at a maximum, and he was based on an oil rig in the North Sea.
When he came to speak to us, we identified that he needed life insurance and income protection. For the life insurance, we did him a joint decreasing life insurance policy to cover him and his partner and their capital repayment mortgage. Now that was for 230,000 pound decreasing over 29 years at a premium of 17 pounds per month.
The other thing that we did was income protection, so this protected him for 2,000 pounds per month of his income if he was unable to work for more than eight weeks due to ill health. And the claim period had the potential to go all the way to his retirement age if he was unable to ever work again, and the premium for that was 56 pounds per month.
Ok, I am interested in applying for Life Insurance what do I do now?
If you are currently working at heights and are UK based there is a very strong chance we will be able to source your Life Insurance at standard terms (no price increase). If you work abroad then it will depend on the countries you visit and time spent in them. Even in those circumstances it is still worth checking and our advisers are always happy to look for you.
Please feel free to contact us on 0800 567 7450 and we will be able to place your insurance application with the correct insurance provider for your circumstances.
*The premiums indicated are true at the time of the article publishing and we cannot guarantee that the prices shown will be those available to you based on your individual circumstances.
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