The Insurance Surgery is one of the UK’s leading insurance specialists for people who are classed as non-standard which can include low risk occupations such as Lawyer life insurance, critical illness cover and income protection. When applying for a policy to protect your family, home or business you will be asked a range of questions about your lifestyle and your occupation to help underwriters to assess your circumstances and apply a decision. There are certain occupations which can be classed as non-standard because of the potential risks that they can pose for added risk of claim which can result in either increased rates or possible special terms such as exclusions. Most of the risks relating to this type of occupation will not cause issues for underwriting the majority of the life insurance style products but it can be an issue for certain products which can include income protection for example.
Here we consider how an application for Lawyer life insurance, critical illness cover and income protection will be viewed by underwriters to explain how that might impact you and your cover. This guide is designed to explain how cover will be underwritten as well as any possible restrictions that may be applied to an offer of this type of policy to protect your family, home of business.