Miners & Life Insurance

Life insurance for miners may be available at standard terms with some insurance providers, depending upon your specific duties.

To find the best life insurance for you we will ask:

• Where is the mine that you work at?
• If you are travelling outside of the UK, how long are your trips for?
• What are your job duties?
• Do you work with explosives?

Your options for life insurance will really depend upon the specific activities of your job. For example, insurers will generally see a site manager that doesn’t go into the mine as less risky than someone working directly with explosives.

If your job roles are particularly high risk it might be that the insurer increases your life insurance premium. You might even find that some insurers say that they can’t offer you life insurance.

Our expert advisers are here to find the right insurer and best life insurance for you.

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.

Miners critical illness cover may also be available at normal terms with some insurers. The insurer that you approach will be interested in your regular working duties and if you are required to travel abroad as part of your occupation.

There is a claimable condition that often comes with critical illness cover, called total permanent disability. It is likely that total and permanent disability will not be available to you due to your work.

This won’t sound great but you will still be insured for the most claimed on conditions e.g. cancer, heart attacks and strokes.

If your work involves being underground and/or the use of explosives, you may find that you need to place your application for critical illness cover with specific insurers who can accept miners.

Our award winning advisers will find the right critical illness cover for you.

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

Income protection for miners will most likely need to be placed with a specialist provider who may consider offering cover.

The insurer will want to know about your specific working tasks, any time spent outside of the UK for work and if you’ve had any time off work in the past due to ill health.

Our expert advisers will speak with you about your circumstances and find the right way to protect your income.

Are you travelling abroad? Make sure that you have the right cover in place by clicking here.