Chefs & Life Insurance
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Chefs & Life Insurance
Working as a chef should not cause you any issues in getting life insurance at standard premiums in the UK.
There are some types of work that you may do that can alter your options for life insurance and we will check these with you before you apply for life insurance.
We will ask you:
- Do you work outside the UK as a chef?
- If you do, how often are you outside of the UK?
Most life insurance policies should be available to you at normal terms if you work in the UK.
If your work takes you outside of the UK you might need to look at specific insurers for your life insurance. Some insurers will ask about you how long you are outside of the UK in one go, others can ask for the total amount across the year. You can find that some insurers will not be able to accept your application for life insurance if your work does take your abroad.
Our advisers are here to help you find the right insurer to match your circumstances, to get you the best terms possible.
Chefs & 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 should be available for chefs at normal terms with most insurers in the UK. If your work takes you abroad this can change which insurer is going to be best for you.
Our expert advisers will find the right critical illness policy to match your work.
Chefs & Income Protection
Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.
You mind find it surprising, or maybe you won’t, that being a chef is seen as one of the highest risk jobs when it comes to income protection. The biggest claims for income protection are linked to mental health and back problems. Insurers tend to view chefs as being at a higher risk of claiming due to their work.
It’s quite likely that you will be able to get standard terms for income protection with UK insurers, but insurers will price for chefs in different ways. The choice of insurer can make huge differences to what you end up paying for income protection.
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.
Chefs & 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
- Fatigue
- Heat exhaustion
- Knife injuries
- Significant burns
- Stress
Occupational Duties
- Food preparation
- Health and safety management
- Project management
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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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