The Insurance Surgery is a leading insurance expert for people who have a pre-existing medical conditions, dangerous occupations and extreme sports which includes Construction Worker life insurance, critical illness cover and income protection. For someone with a high risk occupation who needs to protect their families or homes, they will need to consider the possibility of additional underwriting which could result in possible special terms being imposed. Each insurer in the UK uses underwriters and criteria to assess risk based on their own view of each area of potential claims which includes when applying for Construction Worker life insurance, critical illness cover or income protection. The way in which you apply for cover will be exactly the same as anyone else with no alternative risks apart from additional questions relating to your job.
In this section of our The Insurance Surgery website we consider the affects of being a Construction Worker on an application for life insurance, critical illness cover and income protection. There are a number of possible outcomes when making this type of application which can include an increase in the amount you pay each month for cover or possible exclusions imposed on your policy such as terminal illness benefit or occupational related issues.