Life insurance, critical illness cover and income protection
Sports Financial is a top insurance and personal protection specialist for people who take part in extreme sports or for people who have a dangerous job such as Police Officers life insurance, critical illness cover and income protection. If your job is at all considered to be dangerous or hazardous then you may find when buying personal insurance cover that you will be required to disclose additional information on your application. It does not necessarily mean that you will pay more for your cover, such as life insurance, critical illness cover and income protection, it is simply to enable underwriters to accurately and fairly assess your application. Anyone who has a family with young children should consider some form of life insurance, critical illness cover and income protection cover, especially if they are at risk of accident or illness through their work.
Some of the key risk factors depending on your role for someone looking for Police Officers life insurance, critical illness cover and income protection will include:
- Hazardous equipment (e.g. firearms, explosives etc.)
- Dangerous environments or locations
- Activities or roles (e.g. Diving, Aviation etc.)
- Working at heights
There are a wide range of occupations and roles within the police force which can vary dramatically in terms of activities, responsibilities or environments so underwriting for Police Officers life insurance, critical illness cover and income protection can also vary dramatically.
Roles for Police:
- Constable
- Detective
- Inspector
- Administration
- Pilot
- Diver
- Sargent
- Counter Terrorism
- Bomb Disposal
Each role will cause different issues when applying for Police Officers life insurance, critical illness cover and income protection which can range from no problems at all up to more specialist cover for higher risk individuals.
Police Officers life insurance
It is generally in most cases not an issue to get the life insurance cover as most individuals in the police force tend to be in lower risk roles such as Community Police or Admin Staff. Premiums for life insurance can generally be purchased at the same rate as for someone with no occupational risk factors and therefore will be very competitive. If your role is considered to be higher risk based on the tasks you do and the type of daily, weekly or monthly activities you are involved in then you may find that your offer for Police Officers life insurance could be subject to additional underwriting.
Police Officers life insurance
It is generally in most cases not an issue to get life insurance cover as most individuals in the police force tend to be in lower risk roles such as Community Police or Admin Staff. Premiums for life insurance can generally be purchased at the same rate as for someone with no occupational risk factors and therefore will be very competitive. If your role is considered to be higher risk based on the tasks you do and the type of daily, weekly or monthly activities you are involved in then you may find that your offer for Police Officers life insurance could be subject to additional underwriting.
Some of the key points which would be assessed and considered by underwriters when reviewing an application for Police Officers life insurance include:
- What is your role in the police force
- Do you work with hazardous equipment
- Does your job involve working abroad or in dangerous environments
- How often does your work involve dangerous activities
The standard factors which would also impact the premiums you will pay for life insurance are:
- Level of cover (£’s)
- Term of policy (years)
- Type of policy
For more help or a competitive quote for Police Officers life insurance then you should contact one of our team of experts today to find out what we can do for you
Get a no-obligation quotePolice Officers critical illness cover
There should be no issues in most cases to get a Police Officers critical illness cover policy in place, especially where the role is lower risk or if you are a healthy individual. You will be asked to provide the usual information about your health and medical history on your application form which will determine whether there are any additional risk factors to be considered for your Police Officers critical illness cover. If you have a health issue or pre-existing medical condition then you may find that you will pay more for Police Officers critical illness cover purely to reflect the increased risk for the insurer.
Generally Police Officers critical illness cover premiums will vary from standard levels which is exactly the same as for someone with no additional occupational risks up to possible higher premium loadings or exclusions depending on your circumstances.
Police Officers income protection
Unfortunately it is not currently possible to get a policy to cover for Police Officers income protection due to the occupational risks relating to this type of individual. If your role is administration based then you should be able to get a Police Officers income protection so speak to one of our team of experts to find out more.
Police Officers life insurance, critical illness cover and income protection
If you need help or advice to get the best life insurance for police officers, critical illness cover and income protection policy then you should contact one of our team of experts on 0345 565 0935 to find out how we can help to protect your family.