Engineer Life Insurance, critical illness cover and income protection
The Insurance Surgery is a top insurance specialist for people with medical conditions, dangerous occupations and high risk sports which includes Engineer life insurance, critical illness cover or income protection. If you have a hazardous job including being an Engineer then you may find it slightly trickier to find a policy such as life insurance, critical illness cover or income protection. There are several possible issues when applying for Engineer life insurance, critical illness cover or income protection due to the types of activities or daily duties that you may be required to do. When applying for a life insurance or income protection policy, you will be asked questions about your lifestyle, health and your occupation (especially high risk) so that underwriters can assess your own circumstances to understand levels of risk.
In this area of our ‘The Insurance Surgery’ website we will explain about how an application for Engineer life insurance, critical illness cover or income protection will be treated by insurance underwriters. Our section about Engineer life insurance, critical illness cover and income protection will look at the underwriting, application process and premiums to explain what will happen to you.
Risks for Engineer when applying for life insurance:
- Working at heights over 40ft
- Operating dangerous machinery
- Working with hazardous materials
There are some jobs that will be classed as dangerous because of the types of daily or weekly duties that are carried out for this type of job which will include Engineering work and possible elements of construction. You may apply for Engineer life insurance, critical illness cover and income protection with all insurers however the cover that you will be offered and the cost of cover can differ depending on your role as well as which provider you are apply to.
How Engineer Life Insurance, critical illness cover and income protection works:
If you need to apply for Engineer life insurance, critical illness cover or income protection then you should consider a number of elements which will be assessed by insurance underwriters, such as:
- Which Engineering job you do
- How much of your working time is spent at heights over 40ft
- What heights do you work at
- Do you drive more than 25,000 miles per year for work
For advice about what you need to consider when you apply for Engineer life insurance, critical illness cover or income protection then you should speak to one of our team of expert advisers on 0345 565 0935.
Engineer Life Insurance
The majority of enquiries for Engineer life insurance that are processed will be accepted with no need for further underwriting as they often are not considered to be an additional risk from a life insurance underwriting view. You may find that an application for Engineer life insurance will be offered at what is known as ‘standard rates’ so the same rates as someone with no additional disclosures.. You might also find that there are other possible underwriting problems when applying for Engineer life insurance which can relate to your lifestyle, health or dangerous sport that you do which can play a part in your application process.
Premiums for Engineer life insurance will also be based on:
- How much Engineer life insurance you need and why
- What term of cover you want in years
- Which type of life insurance cover you need
Underwriting for Engineer life insurance will vary from one insurer to another depending on who you apply to so it is important to speak to an expert such as us.
Engineer critical illness cover
You will also find that it is possible to get an extremely competitive rate for Engineer critical illness cover depending on your circumstances and your situation. Regularly you should find that your rates will be the same as a standard cover application for critical illness cover as being a Engineer should not be classed as a non-standard risk. The majority of insurers will offer terms for Engineer critical illness cover so you should make sure that you get quotes from numerous providers to get the most competitive premiums and the most appropriate cover.
Engineer income protection
It may sometimes be slightly more difficult to get cover for Engineer income protection to protect your monthly income if you aren’t able to work because of long term illness or injury, whether at work or outside work. There are potential exclusions that may be applied to your cover depending which type of Engineering work you do and which insurer you apply to.
If you need information or advice to get the right Engineer life insurance, critical illness cover and income protection then you should speak to one of our team of specialists on 0800 035 2829 today.
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