Aerial Riggers & Life Insurance

Life insurance for aerial riggers will need to be placed with specific insurers to optimise the chance of getting cover at standard terms. This means no price increase.

To help you find the right insurer for you we will be asking you:

• What height do you usually work at?
• How much of your working week is spent at that height?
• What is the greatest height that you might work at?
• How much of your working week is spent on the rigs, doing admin work or acting in a supervisory role?
• Are you based in the UK or work abroad?

For people who work below 40 feet it is likely that the life insurance application will be accepted at normal rates with most insurers. If you are regularly working at over 40 feet your application should be placed with a specific insurer who looks favourably at people working at heights.

Our industry trained advisers are here to help you find the right insurer for your circumstances. 

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 for aerial riggers who work over 40 feet may be available at standard terms provided that the application is placed with the right insurer.  Unfortunately it’s not possible to say that Insurer X is the right one for you as there are lots of things that come into play with choosing the best insurer for you.

Critical illness cover often comes with total permanent disability (TPD) included within the claims set. This is likely to be excluded for aerial riggers working at over 40 feet, but this should not cause any concern as there will generally still be at least another 50 conditions to claim on. Aerial riggers working below 40 feet will typically be able to secure standard terms for critical illness cover with most insurers.

Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.

Aerial riggers income protection policies should be placed with an insurance provider who can offer an own occupation definition. It is important that you apply for an own occupation definition for the policy, rather than suited or any occupation definitions which are far harder to claim on. This is because your claim is then not based on being an aerial rigger but on your ability to perform any like job or any job at all, respectively.

Our financial advisers will place your application with the correct insurer to enhance the likelihood of your income protection policy being accepted at an own occupation definition.

Income protection for aerial riggers will come with a deferment period of 1 day, 1 week, 4 weeks, 8 weeks, 13 weeks, 26 weeks or 52 weeks. The deferment period is the amount of time that you must wait from becoming unable to work before the policy benefit will be paid out. You should consider any employment benefits, savings and budget for the income protection policy when you make the decision as to which deferment period suits your circumstances most.

Our financial advisers can help you to determine the most appropriate deferment period for your individual circumstances and we are happy to discuss the benefits of different options with you.

We work alongside a specialist travel broker that can find the right policy for you. To find out more, please visit our travel page here.