If you are a Firefighter or retained Firefighter you should be able to get Life Insurance and Critical Illness Cover on normal terms (no increase in cost) Income protection policies are available from some providers on standard terms although, it is important that you apply for an own occupation definition. Your Insurance Room consultant will be happy to run through all of the options with you, explaining any exclusions and the policies available to you.
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Important Insurance for Firefighters
When you work as a firefighter, your job could be classed as a ‘dangerous occupation’. Many insurance providers would consider this particular job role to be high risks for reasons such as; working at height and in dangerous environments, using hazardous materials as well as operating dangerous equipment.
Whilst getting income protection, life insurance/cover and critical illness insurance could be made more difficult due to your line of work as a firefighter, these are all still essential policies to purchase. Having suitable insurance in place can provide peace of mind to family and friends, not to mention, in the event of an accident, illness or death, it can prevent unnecessary financial concerns. When you’re a firefighter, it is undeniably important to ensure you have all three of the following insurance policies;
Firefighters life insurance
Depending on your role within the fire department, you may find that you’re able to get life insurance on normal terms. Due to the fact many of the hazards that occur in the workplace, even for firefighters, don’t result in loss of life, this particular insurance policy shouldn’t be too expensive and there is no reason not to get firefighter life insurance.
This type of cover is a very important form of personal insurance, it is designed to provide financial security and cover any outstanding debts in the event of your death. Your life insurance would pay out should you pass away or be diagnosed with a terminal illness during the term of the policy and it would provide your family with a lump sum payment.
If you currently have a mortgage or you have a large debt, firefighters life insurance isn’t something you should overlook and it would prevent any financial strain on your loved ones.
Firefighters critical illness insurance
Similarly to firefighters life insurance, critical illness insurance should be available on normal terms and you shouldn’t struggle to get the cover you require from a high street insurance company. That being said, if you have a pre-existing medical condition, you could find your insurance policy is slightly more expensive.
Firefighters critical illness insurance is there to provide you with a lump sum in the event you are diagnosed with a critical illness. This lump sum is tax-free and could be used to help cover the cost of medical treatment, pay off some of your mortgage, assist with expensive lifestyle changes and make modifications to your home, for example.
When you have financial responsibilities and you rely on your monthly salary to pay your bills, it is vital to have insurance in place for critical illnesses such as cancer, heart attack or stroke.
Firefighters income protection
Some firefighters could find it more difficult to get income protection due to their specific occupation. This type of insurance is based on your occupation definition and the risk associated with your roles and responsibilities. You may find you are higher risk because of the increased likelihood of you being unable to work as a result of sickness or injury.
This particular type of insurance is designed to help you continue to pay your day-to-day outgoings should you be unable to work. Firefighters income protection pays a tax-free monthly benefit of a percentage of your gross income if you are signed off by your GP for sickness or injury. This regular income could prevent any ongoing money worries.
If you don’t receive good sick pay through the fire department, then having income protection would ensure you don’t have to rush back to work before you’re ready in order to pay the bills.
Getting adequate insurance for firefighters
Should you require assistance with firefighters life insurance, critical illness insurance or income protection, don’t hesitate to contact us here at The Insurance Room. We have been assisting professionals with dangerous occupations for many years now and you can rely on us to help you find suitable insurance that fits with your budget.
At The Insurance Room, we are whole of market advisors and we are happy to run through all available options with you, explaining the ins and outs of the policies, and helping you to make the best-informed decision. Not to mention, we can significantly reduce the amount of time it takes to get insurance for firefighters too.