How Life Insurance for Armed Forces works

The level of risk for life insurance, critical illness cover or income protection relating to your role in the armed forces will depend on several key factors such as:

• Job title / role (e.g. Pilot, Infantry, Gunner, Medic, Chef etc.)
• Service (e.g. British Army, Royal Navy, Royal Marines and Royal Air Force)
• Active duty / Deployment
• Location of deployment
• Health status

The Insurance Surgery has helped thousands of people with dangerous or hazardous occupations such as Armed Forces Personnel to find affordable Life Insurance, Critical Illness Cover or Income Protection. Our team of experts will help you to find the right cover to protect you and your family and we aim to save you money.

Armed Forces Life Insurance

Life insurance for armed forces personnel is usually available and often at standard rates with no additional loading / increase to the premiums for lower risk roles. There is a long list of different types of roles in the armed forces which can be either low risk or high risk dependant on whether you are likely to be involved in any conflict or front line duty.

Examples of high risk armed forces roles for life insurance:

• Infantry soldier
• Pilots
• Commando
• Parachute regiment
• Diver

Examples of low risk armed forces roles for life insurance:

• Office / Administration personnel
• Medical personnel
• Chef
• Engineer
• Technician

The different services (e.g. Army, Navy or RAF) all carry different levels of risk as well because of the different types of roles that they play. Life insurance for armed forces personnel is assessed on a case by case basis and will therefore depend on how you and your role is viewed by insurance underwriters.

The Insurance Surgery is a life insurance specialist for armed forces personnel and we therefore know which insurance providers are best for this type of occupational risk. There is a vast difference between how life insurance underwriters will assess the risk for armed forces personnel so if you have been declined cover previously that does not mean that you are uninsurable.

Armed Forces Critical Illness Cover

Critical illness cover for armed forces personnel is also generally available and on similar terms to life insurance so again will generally depend on the level of risk relating to your role as well as any current or imminent deployment. If your role exposes you to specific and certain additional risk factors then you will almost always find that critical illness exclusions will be applied that relate to those risk factors.

You will also find when applying for critical illness cover as a member of the armed forces that underwriting and restrictions will vary from one underwriter to another. If you have been offered critical illness cover or even declined critical illness cover because you are a member of the armed forces in the past, that does not necessarily mean that this is the best outcome for you. Our team of expert advisers know which insurance providers are best for critical illness cover for armed forces so will be able to guide you to the most suitable for you.

Armed Forces Income Protection

Income protection for someone working in the armed forces / armed forces personnel is currently unavailable due to the occupational risks. There are some no questions asked income protection style policies that may offer some cover for you so it may well be worth looking at your options.

About the Armed Forces

The Insurance Surgery has been working with armed forces personnel for a number of years and through several different areas of conflict (e.g. Iraq, Afghanistan and Syria). We work with a number of insurance providers who offer life insurance and critical illness cover for armed forces personnel however this does change regularly and vary depending on their underwriting criteria at the time.

Armed forces:

• Royal Navy
• Royal Marines
• British Army
• Royal Air Force

Speak to one of our team of insurance experts to find out how much we can save you on your life insurance to protect you and your family.