Sports Financial Services is a top insurance expert for people who take part in dangerous sports and have dangerous occupations, including Firefighter life insurance, critical illness cover and income protection. There are a number of occupational risks which may cause underwriters to accept an application with an increased premium or policy exclusion which includes:
- Working at heights
- Use of hazardous or explosive materials
- Travel to high risk locations
Firefighters life insurance, critical illness cover or income protection can be classed as high risk for several reasons and the offer you receive will depend on your circumstances and the type of cover you need. Most people with a high risk occupation should consider some form of personal protection insurance to ensure that their families and homes are secure in the event of accident, illness or potentially worse.
We have a team of insurance specialists who have years of experience in dealing with people who are classed as high risk by insurance underwriters to help them to get the cover that they need at the right price. If you need help with your application for Firefighters life insurance, critical illness cover and income protection then you should call Sports Financial Services on 0345 565 0935 today.
Potential risks for Firefighter life insurance, critical illness cover and income protection:
- Working at heights
- Operating in dangerous environments
- Use of hazardous materials
- Working with dangerous equipment
Insurance underwriters will assess your application for Firefighters life insurance, critical illness cover and income protection based on your circumstances and provide you with an accurate offer of cover.
Firefighter life insurance
There are obvious reasons why Firefighters life insurance might be considered to be high risk, however in a large number of cases it can be possible to get cover at the same rate as someone with a standard occupation. You may consider Firefighters to be higher risk for life insurance but the reality is that Firefighters life insurance is generally available with no additional cost than a normal policy price, this is mainly due to the fact that occupational hazards do not usually result in loss of life.
Some of the main considerations for Firefighter life insurance are:
- What is your role in the Fire Service
- How long have you worked as a Firefighter
- Does your role involve working at heights
- Do you work with dangerous machinery or substances
The normal factors which will also have a bearing on the amount you pay for Firefighter life insurance on your monthly premiums are:
- Amount of cover (£’s)
- Term of policy (years)
- Type of life insurance policy
If you need help to get a competitive quote for Firefighters life insurance then you should contact one of our team of specialist insurance advisers on 0345 565 0935.
Firefighter critical illness cover
It is also generally fairly simple to get Firefighters critical illness cover with most high street insurance providers and very often you should be accepted at the same rate as someone who does not have a dangerous occupation. The main reasons why your policy terms or premiums may change for Firefighters critical illness cover are if you have some sort of pre-existing medical condition or if you are involved in something else which is considered to be high risk (e.g. extreme sports).
Firefighter income protection
This can be slightly different to the other types of cover above because Firefighters income protection policies will be purely based on your occupation so they will be related to that risk. There will be certain requirements for an application for Firefighters income protection such as finding out whether you have had any time of work recently due to accident or sickness and look at your overall health.
Sometimes for Firefighters income protection you will find that there may be certain restrictions on the type of cover you will be offered and the levels of cover in terms of your deferment periods.
Firefighter life insurance, critical illness cover and income protection
If you are looking for help or advice to get a Firefighters life insurance, critical illness cover or income protection policy in place to protect your loved ones then you should contact one of our team of experts on 0345 565 0935.