Social Media Inflluencer & Life Insurance
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Social Media Influencer & Life Insurance
Social Media is a big part of most peoples’ lives these days, and being a Social Media Influencer, you’ll need to put out content on a regular basis. Depending on the type of social media you produce and post online, depends on what type of life insurance can be available to you.
We will ask you:
- What types of activities do you do for your social media posts?
- Does your work as a Social Media Influencer take you abroad?
Generally speaking, being a Social Media Influencer, and doing activities which are “low risk”, should see life insurance offers at normal terms.
If your work involves you doing “high risk” activities, then this may result either in higher monthly premiums. Examples of high risk activities could include BMX stunts and base jumping. If you are doing anything sport related as part of your social channel then it is worth checking out our sports pages, to see how your activities might change life insurance options for you.
Similarly, it can be useful to look at our travel pages if you are often outside of the UK, or go abroad for long periods of time. With life insurance in the UK the insurers would like to check that you are a UK resident before they offer you cover. Don’t worry if you are outside of the UK a lot, if need be we can change our advice to look at international life insurance providers for you.
Our advisers are here to help you find the right insurer to match your circumstances, to get you the best terms possible.
Social Media Influencer & Income Protection
Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.
As earning money through social media is relatively new, it can mean your income isn’t necessarily consistent and can fluctuate. Getting income protection as a Social Media Influencer, is possible in some circumstances, depending upon what you do. It’s a really new area of occupation and insurers are just about getting their head around how they can offer income protection to you.
It needs to be done through specific policies that allow for these fluctuations. We would need to know if you work through a limited company, or if you are self-employed, as this will help us find the most appropriate income protection policy for your needs.
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.
Social Media Influencer & 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.
If you’re looking at Critical Illness Cover, and you are a Social Media Influencer doing “low risk” activities, you are quite likely to find this cover offered at standard terms. This means that the insurer will charge you the normal price and not put any exclusions on the policy.
If your social channel is all about high risk sports or travelling a lot outside of the UK, then you can find that they may change the kind of terms that they can offer you. This can be a premium increase or sometimes an exclusion related to the things that you are doing that present a much higher risk of you claiming on the policy.
Our expert advisers will find the right critical illness policy to match your work.
Social Media Influencer & 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
- Anxiety
- Depression
- Fatigue
- Mental Health issues
Occupational Duties
- Analysing metrics
- Collaborating with others
- Content creation and planning
- Editing
- Marketing
- Monitoring trends
Common Questions
Hi, thanks for getting in touch, and yes, I can help! So, I would usually advise to get some life insurance if you have a partner, kids, mortgage, liabilities etc. As you don’t have a mortgage yet, but are considering buying a property in the near future, it may be worth considering a ball-park figure based on the prices of properties you would potentially be looking at buying, and going from there.
Usually with a capital and repayment mortgage, you’d look at a decreasing life insurance policy, so that the sum assured decreases in line with the mortgage. As you don’t have a mortgage yet, you could instead opt for a policy where the sum assured stays the same, or even increases in line with inflation.
There are a lot of options and they all work to do different things, so it is a really good idea for us to chat and determine what you feel is the most important factors for you and your family. Let’s arrange a time to go through everything together.
Client Reviews
Cura Financial Services has been rated 5 out of 5 based on 810 reviews.
Review by Derek on 14th November 2024
“The service I received was excellent, they could not do enough for me and pointed me in the right direction on the policy” - 5
You can read more of our reviews here.
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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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