Aerial Riggers Life Insurance, Critical Illness Cover And Income Protection
Due to working in possibly life-threatening situations, aerial rigger is considered a high risk occupation.
How Aerial Riggers Life Insurance, critical illness cover and income protection works:
When seeking life insurance, aerial riggers will be asked by insurers for information about their occupation, such as:
- Which industry
- Height worked at
- Equipment used
- Qualifications held
The Insurance Surgery’s team of specialist advisers provide help for many dangerous occupations, including Aerial Riggers. They have helped thousands of people to get the best combination of the cover to meet their needs at the best price.
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Aerial Riggers Life Insurance
Life insurance cover for aerial riggers can be determined by the height at which they work, as this determines how hazardous the job is. If you work below 40 feet you will typically be able to get life insurance with most insurers at standard rates. Those working above 40 feet will find it more difficult to find cover and will require specific underwriting guidelines for applicants that work at significant heights that allow for standard terms.
Some examples of aerial rigger occupations:
- Circus rigger
- Technician in a theatre
- Sound and lighting engineer
- Gym technician
Aerial Riggers critical illness cover
Critical illness cover for aerial riggers that work below 40 feet will normally be available at standard terms with most insurers. For those working above 40 feet, critical illness cover may be available from a suitable insurer, although with some exclusions. Total Permanent Disability (TPD) often comes with critical illness cover but may not be available if the aerial rigger works above 40 feet, though they will still be able to claim on around 40 other conditions.
Aerial Riggers income protection
It is important, when applying for income protection, that aerial riggers find an insurer that can offer an ‘own occupation’ definition for their policy, rather than a ‘suited’ or ‘any occupation’ definition. This makes it much easier to make a claim on the policy as it will then be based on the ability to perform any like job or any job at all, rather than being an aerial rigger. The Insurance Surgery specialists will be able to improve the likelihood of placing your application with an insurer that will do this.
A deferment period is standard for income protection policies for aerial riggers. This will define the time that you need to wait after a successful claim before receiving payment. This has implications for the cost of the policy and for the amount of time that is suitable to wait taking into account savings and employment benefits. The periods available typically include 1day, 1 week, 4 weeks, 8 weeks, 13 weeks, 26 weeks and 52 weeks. Our advisers will help you select the best deferment period for your needs.
About Aerial Riggers
Working at extreme heights, Aerial riggers are employed a number of roles including the construction and maintenance of safety equipment for both professional and recreational activities. They must ensure the safe access and use when both constructing the rigs and when others are using the equipment.
Some possible risks for aerial riggers include:
- Environmental factors
- Equipment failures
- Risk of falls
It is important to get the right advice for aerial riggers in order to ensure that you receive the right cover. Our team of specialist advisers will help you find the best cover for your specific situation at the best price.
For more information about Aerial Riggers Life Insurance, critical illness cover and income protection or a free no obligation quotation you can contact one of our team of experts on 0800 083 2829 today.