Scaffolder life insurance, critical illness cover and income protection
Sports Financial is a leading insurance specialist for people who are classified as non-standard by underwriters because of their sports, hobbies or occupation which includes Scaffolder life insurance, critical illness cover and income protection. Anyone with a family, dependants or financial commitments such as a mortgage or rent should consider some financial protection if they are ill, injured or even worse. A lot of people with hazardous jobs or extreme sports such as Scaffolders are put off applying for life insurance, critical illness cover and income protection because they assume that cover will be expensive or even not possible for them.
As with most hazardous occupations there are a number of critical factors which would be used to assess the levels of risk for you Scaffolder life insurance, critical illness cover or income protection applications which includes:
- Your role and responsibilities
- Locations (e.g. UK or overseas)
- Working at heights
- Type of machinery or equipment
There are some elements of this type of occupation which would be considered to be potentially high risk for life insurance, critical illness cover and income protection.
Roles for Scaffolders:
- Domestic scaffolder
- Commercial scaffolder
- Site supervisor
For anyone looking for a competitive Scaffolder life insurance, critical illness cover and income protection quote then you should contact one of our team of experts on 0345 565 0935 for more information.
Scaffolder life insurance
As with most of these types of occupations you will find that your premiums for Scaffolder life insurance will very much depend on the heights you work at and the amount of time spent working at heights. In most cases you should find that your Scaffolder life insurance premiums should be the same as someone who does not have any occupational risk factors or in good health. Your job will determine how much you will pay for Scaffolder life insurance as well as your health and medical status.
Some of the key considerations by underwriters for a Scaffolder life insurance application will be:
- Which industry you work in (e.g. domestic or commercial)
- What heights you work at (over 40 feet)
- How often you work at heights over 40 feet
- Do you work with dangerous machinery or materials
- Any other health or medical considerations
There are some other standard considerations when applying for life insurance for scaffolders which will determine your premiums such as:
- Sum assured (£’s)
- Term of cover (years)
- Type of policy
Your premiums for Scaffolder life insurance can vary from standard rates up to possible higher rates depending on your job and your health.
Scaffolder critical illness cover
In most cases you will also find that you should be able to get a policy for Scaffolder critical illness cover without any major issues and at very competitive rates. This type of occupation should have very little or no impact on being able to get a Scaffolder critical illness cover to protect your family if you were to be diagnosed with a serious illness. You will also be assessed based on the heights that you work at and the amount of time that you spend at heights for Scaffolder critical illness cover.
Scaffolder income protection
As with most hazardous or dangerous occupations, your offer of cover for Scaffolder income protection will vary depending on the amount of time you spend taking part in hazardous activities. You should be able to get a Scaffolder income protection policy with no issues or problems however you should make sure that your policy covers the right things for you as income protection policies can vary.
For more help or advice to get a competitive quote for Scaffolder life insurance, critical illness cover and income protection then you should contact one of our team of experts today on 0345 565 0935.