Rope Access Technicians & Life Insurance
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Rope Access Technicians & Life Insurance
When you work at heights there is a huge amount of safety precautions and training that you need to follow. Insurers are very aware of this, but, no matter what if something goes wrong with the safety equipment you might take a pretty long fall.
Your options for life insurance could range from normal pricing through to higher premiums, depending upon your specific work. To find out the best life insurance for you our advisers will ask you:
- What is your occupation?
- What industry do you work in?
- What is the usual height that you work at?
- What is the maximum height that you work at?
- How often do you work at this maximum height?
If you usually work at heights under 40 feet (12 metres) then life insurance will generally be available at standard terms.
If you regularly work at heights above 40 feet it will be essential to be picky about the insurer you apply to. Some insurers might increase your life insurance premiums due to your work, but not all will.
If you are an offshore worker the insurer will also want to know how long you are out of the country and the countries that you travel to. Please see our dedicated offshore workers page.
Our award winning advisers will find the right insurer and best insurance policy to protect you.
Rope Access Technicians & 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 for rope access technicians can be available and the height that you work at will determine the right insurer for you.
You may find that a certain aspect of the policy called Total Permanent Disability (TPD) is excluded from the policy claims set due to your occupation. Critical illness policies usually offer at least 60 claimable situations, and whilst having one excluded will not feel great, there are still many times that the policy can pay out.
Our expert advisers are here to find the insurer that will offer you the best terms for critical illness cover.
Rope Access Technicians & Income Protection
Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.
When you apply for an income protection policy as a rope access technician you will need to pick your insurer carefully.
Some insurers are excellent for blue collar workers and you can often see a huge difference in price between what they offer compared to others.
Our expert advisers know which insurers are going to give you the best income protection policy options. You can speak with us for a no obligation quotation today.
Rope Access Technicians & Travel Insurance
It is always a good idea to make sure that you have good travel insurance in place if you are going on holiday. If you would like to get some quotations please visit our dedicated travel page here.
Rope Access Technicians
Rope access technicians are highly skilled individuals who must construct and use a complex set of ropes and safety harness equipment to reach difficult locations. Health and safety is a key aspect of this occupation with the role requiring a great deal of vigilance to ensure equipment remains fit for purpose and a constant awareness of changing environmental factors. Working at significant heights, rope access technicians are seen to have a high ranking hazardous occupation.
Example Occupations
- Window Cleaners
- Bridge Technicians
- Offshore/Oil Rig Technician
- Events crew
Possible Risks
- Environmental factors
- Equipment safety
- Falls
Occupational Duties
- Surveying
- Construction and maintenance of buildings
- Event rigging
Further Reading and Research
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Review by Sarah on 5th September 2020
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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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