Teacher Life Insurance, Critical Illness Cover And Income Protection
It’s been a tough couple of academic years for the teachers of the UK. With schools closing and reopening, bubbles to keep everyone safe, online learning and extra precautions, there has been a lot of responsibility on top of the normal day to day teaching.
Teachers have an incredibly busy schedule. Their working day never starts or ends within the normal school hours. Teachers always have something to do – whether it be paperwork, marking, sorting the classroom, writing reports… the list seems to be endless.
As another school year begins, it’s time to make sure you have everything you need in place and organised in your home life as well as in the classroom. We’ve put together some of our top tips to make sure you have the right work/life balance this September as you start a busy new term.
7 Top Tips for Teachers’ work/life balance
1) Respect your own home time
Teachers are incredibly hard workers and it is not unusual to stay at school until the early evening prepping the classroom and getting ready for the next day. You may even go home and carry on working into the night.
Remember to respect your own time at home and relax. Even if you have no plans, you need to make sure you set aside enough time on an evening to do something you enjoy. This could be going to the gym, cooking a nice meal for your family, watching a new drama on TV or just sitting and chatting to your partner.
It’s also important to take time out on the weekend. It is almost impossible to accomplish everything you need to do as a teacher within your normal working hours, but if you do end up putting in extra hours on the weekend, remember to balance it out and enjoy time for yourself too.
2) Look after your physical and mental health
Looking after your health is so important, especially when you’re constantly on the go. Remember to look after yourself as your first priority. Health wise, it’s important to eat healthy, balanced meals. Remember to take time out in a morning for breakfast, ensure you have a lunch break to enjoy a meal that you have prepared the night before, and sit down for a meal every evening.
It can be so easy to skip meals when you have such a busy schedule, but eating proper meals improves your mood, your energy and your endurance.
It’s also important to look after your mental health, whether that be by exercising regularly or being around people that make you happy. It can be incredibly draining as a teacher, so make time for you. Self care is very important.
3) Plan ahead
When you have a stressful job and work long hours, organisation is key. Make sure you have everything in a diary or a planner to keep organised in your work life, social life and family life. Writing everything down, even if you think you can keep it all in your head, will be much easier and helps you plan your days accordingly.
It’s also a great way to keep on top of finances. Knowing when your bills are due or when insurance premiums are up for renewal helps you keep a hold of where you are each month and how much you have left to put away for a rainy day, pay off a holiday or treat yourself.
4) Look after your future
The Insurance Surgery is a leading insurance expert for people who have a pre-existing medical condition, an occupation that is classed as dangerous, or those whose jobs may contain a higher risk element.
If you work as a teacher, The Insurance Surgery are specialists in finding the best life insurance cover for you. We also offer critical illness cover and income protection.
Our team of specialist advisors are on hand to offer expert knowledge and help you find the best insurance for your personal circumstances. This includes your budget and any specific needs. We can help to protect you and your family, as well as save you money in the process.
As a broker, we can find a life insurance policy by searching the whole market for you. Some insurers may be better suited than others when it comes to teacher life insurance, especially if your role has more high-risk elements. For example, if you are a science teacher or professor, you may be dealing with high-risk experiments on a daily basis and need additional cover.
Generally, teachers don’t tend to come across any problems when applying for life insurance if they have no other pre-existing conditions. The only time additional exclusions that may be needed are if you are working abroad or use dangerous chemicals as part of your job.
Questions you will be asked when applying for life insurance as a teacher are:
– Do you regularly travel abroad for work?
– Do you spend long periods of time out of the country?
– Which countries do you travel to?
– Do you work with dangerous machinery/chemicals (experiments)?
– Do you take part in dangerous activities as part of your job?
Other factors that insurers will take into consideration are:
– How much cover you want (£’s)?
– How long you want the cover to last (term)?
– Type of life insurance you want (level, decreasing etc.)?
If you need any help deciding which form of teacher life insurance to choose, then call one of our advisors or fill in our online form, and they will help you pick a life cover policy that is best for you.
We can offer other independent financial advice when finding the right cover for you, including critical illness insurance, which pays out a lump sum if you were to suffer from ill health and found yourself unable to work.
You probably already have one in place, but it’s also worth looking into your own pension scheme to make sure you’re set to receive the best cover you can. There are specific teachers pensions available.
5) Turn off your electronics
Especially over these last 18 months, we have turned to our phones and laptops even more than usual. It has been a constant stream of news updates, health updates, emails, texts, calls and social media notifications.
For teachers especially, everything has switched over to online education platforms and distance learning, meaning you’ve probably spent a lot longer behind a laptop each day than what you are used to. Students, teachers and parents have been able to connect with you at any point of the day, rather than the usual 9am-3.30pm.
Forcing yourself to shut the laptop at a certain time and not log back on until a set time the next day helps you to keep hold of that work / life balance and is even more evident as you transition back into full time teaching this school term. Remember to get a good night’s sleep by putting your phone down and away an hour before you go to sleep too!
6) See friends and family
It can be so easy to cancel plans with friends or family after a long day teaching, but it’s so important to spend time with your loved ones.
Throughout 2020, we were told to stay at home and not spend time with any of the people we love the most, which was incredibly difficult for everyone. It’s time to make up for that lost time, so don’t forget to set aside evenings and weekends to spend with them!
7) Let it go
One of the biggest lessons in life is to learn to let things go and not sweat the small stuff.
It’s easy to fixate on the small things like a lesson plan not going as expected or sending an email later than you should. If you don’t let it go, you’ll continue to worry about it well into your own time. Remember what the important things are and the impact you are making to the children and their education. You make an impact on their personal development daily too.
Take a deep breath and let it go. Learning how to achieve work/life balance as a teacher can be tough, especially in those early years.
These strategies can ensure that your teaching career is impactful, healthy and long lasting.
Teacher Life Insurance with The Insurance Surgery
Getting life insurance shouldn’t be difficult, therefore at The Insurance Surgery we have the expert knowledge to find you the perfect policy. We search the whole market on your behalf for no extra fee.
We’ll take all the details we need from you once, then use them to find a policy that you are happy and comfortable with.
To start the process today, fill in our online form here or call us on 0800 083 2829.