Life Insurance for Bricklayers UK
Laying the foundations for a secure financial future is just as important as laying the perfect course of bricks. For bricklayers across the UK, a physically demanding profession that forms the backbone of the construction industry, thinking about financial protection isn't a luxury—it's a necessity. The daily risks, from working at height to the long-term strain on your body, mean that a robust safety net for you and your family is an essential part of your toolkit.
This comprehensive guide is designed specifically for you. We'll break down everything you need to know about life insurance, critical illness cover, and income protection, showing you how to secure affordable and effective cover that acknowledges the unique challenges of your trade.
Affordable cover designed for bricklaying professionals
A common misconception is that being a bricklayer automatically means you'll face sky-high insurance premiums. While it's true that insurers classify bricklaying as a higher-risk occupation than a desk job, this doesn't shut the door to affordable cover. In fact, the market is competitive, and with the right approach, you can find excellent value.
Insurers don't use a broad brush to paint all tradespeople with. They conduct a detailed risk assessment based on your specific duties. They will want to know:
- The heights you work at: Do you primarily work on single-storey extensions or multi-storey commercial sites?
- The machinery you use: Are you operating heavy plant or just standard hand tools?
- Your specific tasks: Do you handle hazardous materials? Are you involved in demolition?
- Your health and lifestyle: Factors like your smoking status, BMI, and general fitness play a huge role.
The key is to present an accurate and detailed picture of your work. A specialist insurance broker, like WeCovr, can be invaluable here. We understand the questions insurers ask and know which providers take a more favourable view of trades like bricklaying. By navigating the entire market on your behalf, we can match you with the insurer who will offer the best terms for your individual circumstances, saving you both time and money.
Why Bricklayers Need to Think Seriously About Protection Insurance
Your skill is in building structures that last a lifetime. Protection insurance is about building a financial structure that does the same for your family, even if you're no longer there or able to work.
The Risks of the Trade
The construction industry, while safer than in previous decades, still presents significant risks. According to the Health and Safety Executive (HSE), construction workers are approximately four times more likely to be killed at work than the average worker in Great Britain.
Beyond fatal accidents, the day-to-day physical toll is immense. Bricklayers are particularly susceptible to:
- Musculoskeletal Disorders (MSDs): The HSE reports that around 42,000 construction workers suffer from work-related MSDs each year. Constant heavy lifting, bending, and repetitive motions put immense strain on your back, shoulders, knees, and wrists. An injury that might be an inconvenience for an office worker could be career-ending for a bricklayer.
- Respiratory Illness: Exposure to respirable crystalline silica (RCS) from cutting bricks, mortar, and concrete can lead to serious lung diseases like silicosis and COPD over time.
- Hand-Arm Vibration Syndrome (HAVS): Regular use of power tools like angle grinders and impact drills can cause permanent and painful damage to nerves and blood vessels in your hands and arms.
Even a "minor" injury, such as a broken wrist from a slip, could put you out of work for 8-12 weeks. Without a financial buffer, how would you pay your mortgage, rent, and household bills?
The Self-Employed Reality
A significant portion of bricklayers are self-employed or work as subcontractors. The Office for National Statistics notes that the construction industry has one of the highest rates of self-employment in the UK. This gives you freedom and control, but it also comes with a stark financial reality:
- No sick pay: If you don't work, you don't get paid. There's no employer to fall back on.
- No employee benefits: You don't have access to a company pension scheme, death-in-service benefits, or private medical insurance unless you arrange it yourself.
- You are the business: Your ability to earn is your single greatest asset. If that's taken away by illness or injury, your income stops instantly.
This is why income protection is not just a "nice-to-have" but a fundamental part of a self-employed bricklayer's financial planning.
Protecting Your Loved Ones
Think about the financial promises you've made. The mortgage on the family home, the monthly bills, the cost of raising children, and the dreams you have for their future. Life insurance ensures those promises are kept if the worst should happen to you.
Imagine this scenario: a 38-year-old bricklayer with a partner, two young children, and a £200,000 mortgage passes away unexpectedly. Without life insurance, his family would not only face overwhelming grief but also the immediate financial crisis of losing their main breadwinner and potentially their home. A life insurance policy would pay out a lump sum to clear the mortgage and provide for the family's future, giving them financial stability at the most difficult of times.
Demystifying Life Insurance for Bricklayers
Life insurance is a contract between you and an insurer. You pay a monthly premium, and in return, the insurer promises to pay out a tax-free cash sum if you die during the term of the policy. It’s that simple. But there are different types designed for different needs.
How Insurers View Your Job
When you apply, the insurer's underwriting team assesses your "risk profile." For a bricklayer, they'll ask detailed questions on the application form. It is absolutely vital that you are 100% honest. Failing to disclose that you work at heights, for example, could lead to a claim being denied in the future, rendering your policy useless.
Your answers determine whether your premiums are "standard" (the same as a low-risk job) or if they will have a "loading" (an increase) to reflect the higher risk. A small loading is common and still represents excellent value for the protection you get.
Key Types of Life Insurance
The main types of personal life insurance are straightforward and can be tailored to your goals.
-
Level Term Assurance: You choose a lump sum amount (the "sum assured") and a policy length (the "term"). The payout amount remains the same throughout the term. If you die within that period, your beneficiaries receive the full lump sum.
- Best for: Providing for your family's living costs, clearing an interest-only mortgage, or leaving a legacy.
-
Decreasing Term Assurance (Mortgage Protection): The lump sum amount decreases over the term of the policy, designed to roughly track the outstanding balance of a repayment mortgage. Because the potential payout reduces over time, this is the most affordable type of life insurance.
- Best for: Specifically covering a repayment mortgage so your family can own their home outright.
-
Family Income Benefit: This is a clever and highly cost-effective alternative. Instead of a single large lump sum, it pays out a regular, tax-free monthly or annual income to your family for the remainder of the policy term.
- Best for: Young families on a budget. It replaces your lost income in a manageable way, helping your partner budget for monthly bills without being overwhelmed by a large lump sum.
Comparison of Life Insurance Types
To make it clearer, here’s a simple breakdown:
| Feature | Level Term Assurance | Decreasing Term Assurance | Family Income Benefit |
|---|---|---|---|
| Payout Type | Fixed lump sum | Decreasing lump sum | Regular tax-free income |
| Primary Use | Family protection, large debts | Repayment mortgages | Replacing lost monthly income |
| Relative Cost | Medium | Low | Very Low |
| Example | A £300,000 payout in year 1 or year 20. | A £250,000 mortgage may have £100,000 left after 15 years; cover reflects this. | Pays £2,000/month until the policy end date. |
Beyond Life Insurance: Protecting Your Income and Health
For a bricklayer, being unable to work due to injury or illness is a far more likely event than dying prematurely. This is why policies that protect your income and health are just as crucial, if not more so.
Income Protection: The Bricklayer's Financial Safety Net
If you had a machine that printed money for you every month, you’d insure it, right? As a bricklayer, you are that machine. Income Protection (IP) is the insurance for your ability to earn.
It pays you a regular, tax-free monthly income if you are unable to work due to any illness or injury. This continues until you can return to work, the policy term ends (usually at your chosen retirement age), or you pass away.
Key features to understand:
- Definition of Incapacity: This is the most important part of an IP policy for a skilled worker. You should always insist on an 'Own Occupation' definition. This means the policy will pay out if you are unable to do your specific job as a bricklayer, even if you could theoretically do another job like working in a call centre.
- Deferred Period: This is the waiting period from when you stop working to when the payments start. It can range from 4 weeks to 12 months. A longer deferred period means a lower premium. Self-employed bricklayers often align this with how long their savings would last, typically choosing 4, 8, or 13 weeks.
- Level of Cover: You can typically insure up to 60-65% of your gross pre-tax income. This is to ensure you still have an incentive to return to work.
Critical Illness Cover (CIC)
Critical Illness Cover provides a one-off, tax-free lump sum if you are diagnosed with one of a list of specific serious conditions defined in the policy. The "big three" covered by all policies are heart attack, stroke, and most forms of cancer, but modern policies can cover 50+ conditions, including things like Multiple Sclerosis and major organ transplant.
For a bricklayer, a critical illness diagnosis would almost certainly mean you could never return to such a physically demanding job. The CIC payout could be used to:
- Clear your mortgage and other major debts.
- Pay for private medical treatment or specialist therapies.
- Adapt your home for new mobility needs.
- Provide a financial cushion for your family while you adjust to a new future.
CIC is often combined with life insurance onto a single policy, which can be more cost-effective.
Personal Sick Pay Insurance
This is a type of short-term income protection. While a full IP policy can pay out until retirement, a Personal Sick Pay plan has a limited claim period, typically 1, 2, or 5 years. Premiums are significantly lower, making it a good entry-level option for tradespeople who are worried about the cost of long-term cover but still want protection against being out of work for a significant period.
Income Protection vs. Critical Illness Cover
| Feature | Income Protection | Critical Illness Cover |
|---|---|---|
| Payout | A regular monthly income. | A one-off tax-free lump sum. |
| Trigger | Inability to work due to any illness or injury (e.g., bad back, stress, broken leg). | Diagnosis of a specific serious condition listed in the policy. |
| Purpose | Replaces your day-to-day lost earnings to pay the bills. | Covers major life changes and financial needs following a serious diagnosis. |
| Best For | Protecting against the most common reasons for being off work. | Providing a capital sum to clear debts and adapt to a new reality. |
Many financial advisors see Income Protection as the foundational cover, with Critical Illness and Life Insurance built on top. At WeCovr, we can help you assess your budget and priorities to find the right blend of cover for your needs.
Solutions for Self-Employed Bricklayers & Business Owners
If you run your own limited company, even as a sole director, you can access powerful and tax-efficient forms of insurance that are not available to sole traders.
Executive Income Protection
This is an income protection policy owned and paid for by your limited company. The key benefits are:
- Tax Deductible: The monthly premiums are classed as an allowable business expense, so your company can offset them against its Corporation Tax bill.
- No P11D Benefit: It is not considered a 'benefit in kind', so you don't pay any extra personal income tax or National Insurance.
- Higher Cover: Insurers often allow you to cover a higher percentage of your earnings (up to 80% of your salary and dividends).
This is by far the most tax-efficient way for a company director to secure their income.
Key Person Insurance
Does your skill, reputation, and hard work bring in most of the company's revenue? If so, you are a 'key person'. Key Person Insurance (or Key Man Insurance) is a life and/or critical illness policy taken out by the business on you.
If you were to pass away or suffer a critical illness, the policy pays the lump sum directly to the business. This money can be used to:
- Recruit and train a replacement.
- Clear business debts or loans.
- Replace lost profits while the business gets back on its feet.
- Reassure lenders and suppliers that the business can continue to operate.
It’s about ensuring the business you’ve built can survive your absence.
How to Get Cheaper Insurance as a Bricklayer
You have more control over your premiums than you might think. Here are the most effective ways to secure the best price.
1. Improve Your Health & Lifestyle
This is the number one factor within your control.
- Stop Smoking: A smoker can pay double the premium of a non-smoker for the same life insurance policy. Vaping is almost always treated the same as smoking. Quitting for at least 12 months will see you classed as a non-smoker, dramatically cutting your costs.
- Maintain a Healthy Weight: Insurers use your Body Mass Index (BMI) as a key health indicator. A high BMI can lead to increased premiums. Small, sustainable changes to diet and exercise can make a big difference. At WeCovr, we support our clients' health journeys by providing complimentary access to CalorieHero, our AI-powered calorie and nutrition tracking app. It's a fantastic tool to help you manage your diet in line with your physically demanding job.
- Reduce Alcohol Consumption: Be honest about your weekly unit intake. Insurers have specific thresholds, and staying within sensible limits will help secure standard rates.
- Stay Active and Eat Right: Your job is physical, but specific exercises to strengthen your core and back can reduce injury risk. A balanced diet rich in protein for muscle repair and complex carbohydrates for sustained energy is also crucial for long-term health.
2. Get Your Application Right
- Be Accurate and Detailed: Don't just put "Bricklayer." Specify your role. Are you a "Bricklayer working on domestic properties up to two storeys"? Or are you a "Steel Fixer working at heights above 40 feet"? The detail matters.
- Be 100% Honest: Never omit information about your health or work duties. Non-disclosure is the surest way to have a future claim rejected.
- Choose the Right Term: Don't take out a 30-year policy if your mortgage only has 18 years left. Matching the term to the need saves you money.
3. Use a Specialist Broker
This is the single most important tip. An independent broker who understands the protection market for tradespeople is your greatest ally.
- Market Access: We have access to deals and underwriting teams that aren't available on comparison websites.
- Expert Positioning: We know how to frame your application to the most suitable insurer. One insurer might add a 75% loading for your job, while another might only add 25% or even offer standard rates. We know who to approach first.
- Saves You Time and Hassle: We handle all the paperwork and negotiations, presenting you with the best options.
4. Put Your Policy in Trust
For most life insurance policies, it's highly recommended to write them into a Trust. It's a simple legal arrangement, and your broker can help you with the paperwork for free. The benefits are huge:
- Avoids Inheritance Tax: The payout goes directly to your beneficiaries and isn't considered part of your estate.
- Avoids Probate: This means the money is paid out much faster (in weeks, rather than months or even years) without needing to wait for legal clearance.
Real-Life Examples & Illustrative Costs
The cost of cover depends entirely on your age, health, lifestyle, the amount of cover, and the policy term. The following examples are for illustrative purposes only.
Disclaimer: These quotes are purely illustrative as of September 2025 and are not guaranteed. Your actual premium will depend on your individual circumstances.
Example 1: The Young, Self-Employed Bricklayer
- Persona: Liam, 28, a non-smoker in good health. He's self-employed, earning £40,000 a year. His main concern is covering his rent and bills if he gets injured.
- Solution: Income Protection.
- Illustrative Quote: For a policy providing £2,000 a month of tax-free income with a 13-week deferred period, paying out until age 65, Liam might expect to pay around £42 per month.
Example 2: The Family Man with a Mortgage
- Persona: David, 40, a smoker. He's married with two children and has a £250,000 repayment mortgage with 23 years remaining. He wants to ensure the mortgage is cleared and his family has a lump sum if he falls seriously ill or dies.
- Solution: Decreasing Term Life Insurance & Critical Illness Cover.
- Illustrative Quote: For £250,000 of combined cover over 23 years, David might expect to pay around £115 per month. If he were a non-smoker, this premium could be closer to £65 per month, highlighting the significant "cost of smoking."
Securing Your Future, One Brick at a Time
Your work is tangible, skilled, and essential. You build the homes, schools, and hospitals that society relies on. It's only right that you build the same level of security for your own family's future.
Understanding that bricklaying carries specific risks is the first step. The second is realising that affordable, comprehensive financial protection is well within your reach. From simple mortgage life insurance to robust income protection that acts as your personal sick pay scheme, the solutions are there.
Navigating the market can seem complex, but you don't have to do it alone. Talking to an expert adviser will help you cut through the jargon, compare the providers who look most favourably on your trade, and build a protection portfolio that fits your needs and your budget perfectly. Lay the financial foundations today to give yourself and your family peace of mind for all the years to come.
Will my life insurance premium be higher because I'm a bricklayer?
Possibly, but not always. Insurers assess risk based on the specifics of your job, not just the title. If you primarily work on domestic properties with minimal work at height, your premium may be close to or at standard rates. If your work involves significant heights, hazardous materials, or heavy machinery, a premium "loading" (increase) is more likely. However, a specialist broker can help find insurers who view your specific duties more favourably, minimising any potential increase.
Do I need a medical exam to get life insurance?
Often, no. For many people, especially those who are younger and applying for a moderate amount of cover, acceptance is based purely on the answers provided on the application form. An insurer may request a GP report or a nurse screening if you are older, applying for a very large amount of cover, or have disclosed certain medical conditions. Honesty on your application is the most important factor.
What happens if I stop being a bricklayer and move to an office job?
You should inform your insurer of this change in occupation. As your job is now considered lower risk, it is very likely that they will be able to reduce your monthly premiums. This can lead to significant savings over the remaining term of your policy.
I'm self-employed. What happens if I can't afford my premiums one month?
The most important thing is to contact your insurer or broker immediately, before you miss a payment. Some modern policies have features like a 'payment holiday' for a short period, but you must arrange this in advance. If you simply stop paying, your policy will lapse after a grace period, and you will lose your cover. It's always better to discuss your options; it may be possible to reduce your cover temporarily to make the premium more manageable.
Is Critical Illness Cover worth it for a bricklayer?
Yes, it is highly valuable for anyone in a physical trade. A serious diagnosis like cancer, a heart attack, or multiple sclerosis would likely prevent you from ever returning to such a demanding job. The tax-free lump sum from a critical illness policy can provide a vital financial cushion to clear your mortgage, cover lost future earnings, and give you and your family financial breathing space while you adapt to life after your diagnosis.
What does 'own occupation' mean for Income Protection?
This is the gold standard definition of incapacity and is crucial for skilled manual workers like bricklayers. 'Own occupation' means your policy will pay out if you are medically unable to perform the specific duties of your job as a bricklayer. It protects you even if you are well enough to do a different, less physical job (e.g., an office-based role). Without this definition, an insurer could argue that because you can do *some* job, you are not eligible to claim, which is why it's so important to have.
Why life insurance and how does it work?
What is Life Insurance?
Life insurance is an insurance policy that can provide financial support for your loved ones when you or your joint policy holder passes away. It can help clear any outstanding debts, such as a mortgage, and cover your family's living and other expenses such costs of education, so your family can continue to pay bills and living expenses. In addition to life insurance, insurance providers offer related products such as income protection and critical illness, which we will touch upon below.How does it work?
Life insurance pays out if you die. The payout can be in the form of a lump sum payment or can be paid as a replacement for a regular income. It's your decision how much cover you'd like to take based on your financial resources and how much you'd like to leave to your family to help them deal with any outstanding debts and living expenses. Your premium depends on a number of factors, including your occupation, health and other criteria.The payout amount can change over time or can be fixed. A level term or whole of life policy offers a fixed payout. A decreasing term policy offers a payout that decreases over the term of the cover.
With critical illness policies, a payout is made if you’re diagnosed with a terminal illness with a remaining life expectancy of less than 12 months. While income protection policies ensure you can continue to meet your financial commitments if you are forced to take an extended break from work. If you can’t work because you’ve had an accident, fallen sick, or lost your job through no fault of your own, income protection insurance pays you an agreed portion of your salary each month.
Income protection is particularly helpful for people in dangerous occupations who want to be sure their mortgage will always be covered. Income protection only covers events beyond your control: you’re much less likely to be covered if you’re fired from your job or if you injure yourself deliberately.
Questions to ask yourself regarding life insurance
Just ask yourself:👉 Who would pay your mortgage or rent if you were to pass away or fall seriously ill?
👉 Who would pay for your family’s food, clothing, study fees or lifestyle?
👉 Who would provide for the costs of your funeral or clear your debts?
👉 Who would pay for your costs if you're unable to work due to serious illness or disability?
Many families don’t realise that life, income protection and critical illness insurance is one of the most effective ways to protect their finances. A great insurance policy can cover costs, protect a family from inheriting debts and even pay off a mortgage.
Many would think that the costs for all the benefits provided by life insurance, income protection insurance or critical illness insurance are too high, but the great news is in the current market policies are actually very inexpensive.
Benefits offered by income protection, life and critical illness insurance
Life insurance, income protection and critical illness insurance are indispensable for every family because a child loses a parent every 22 minutes in the UK, while every single day tragically 60 people suffer major injuries on the UK roads. Some people become unable to work because of sickness or disability.Life insurance cover pays out a lump sum to your family, loved ones or whomever you choose to get the money. This can be used to secure the financial future of your loved ones meaning they would not have to struggle financially in the event of your death.
If it's a critical illness cover, the payout happens sooner - upon diagnosis of a serious illness, disability or medical condition, easing the financial hardship such an event inevitably brings.
Income protection insurance can be very important for anyone who relies on a pay check to cover their living costs, but it's especially important if you’re self-employed or own a small business, where your employment and income is a bit less stable. It pays a regular income if you can't work because of sickness or disability and continues until you return to paid work or you retire.
In a world where 1 in 4 of us would struggle financially after just four weeks without work, the stark reality hits hard – a mere 7% of UK adults possess the vital shield of income protection. The urgency of safeguarding our financial well-being has never been more palpable.
Let's face it – relying on savings isn't a solution for everyone. Almost 25% of people have no savings at all, and a whopping 50% have £1,000 or less tucked away. Even more concerning, 51% of Brits – that's a huge 27 million people – wouldn't last more than one month living off their savings. That's a 10% increase from 2022.
And don't even think about state benefits being a safety net. The maximum you can expect from statutory sick pay is a mere £109.40 per week for up to 28 weeks. Not exactly a financial lifeline, right?
Now, let's tackle a common objection: "But I have critical illness insurance. I don't need income protection too." Here's the deal – the two policies apply to very different situations. In a nutshell:
- Critical illness insurance pays a single lump sum if you're diagnosed with or undergo surgery for a specified potentially life-threatening illness. It's great for handling big one-off expenses or debts.
- Income protection, on the other hand, pays a percentage of your salary as a regular payment if you can't work due to illness or injury. It's the superhero that tackles those relentless monthly bills.
Types of life insurance policies
Common reasons for getting a life insurance policy are to:✅ Leave behind an amount of money to keep your family comfortable
✅ Protect the family home and pay off the mortgage in full or in part
✅ Pay for funeral costs
Starting from as little as a couple of pounds per week, you can do all that with a Life Policy.
Level Term Life Insurance
One of the simplest forms of life insurance, level term life insurance works by selecting a length of time for which you would want to be covered and then deciding how much you would like your loved ones to receive should the worst happen. Should your life insurance policy pay out to your family, it would be in a lump sum amount that can be used in whatever way the beneficiary may wish.
Decreasing Term Life Insurance
Decreasing term life insurance works in the same way as level term, except the lump sum payment amount upon death decreases with time. The common use for decreasing term life cover is to protect against mortgage repayment as the lump sum decreases along with the principal of the mortgage itself.
Increasing Term Life Insurance
Increasing term life insurance aims to pay out a cash sum growing each year if the worst happens while covered by the policy. With increasing term life cover amount insured increases annually by a fixed amount for the length of the policy. This can protect your policy's value against inflation, which could be advantageous if you’re looking to maintain your loved ones’ living standards, continue paying off your mortgage in line with its repayment schedule and cover your children’s education fees.
Whole of Life Insurance
Whereas term life insurance policies only pay out if you pass away during their term, whole of life insurance pays out to your beneficiaries whenever this should happen. The most common uses for whole life insurance are to cover the costs of a funeral or as a vehicle for your family's inheritance tax planning.
Family Income Benefit
Family income benefit is a somewhat lesser-known product in the family of life insurance products. Paying out a set amount every month of year to your beneficiaries, it is the most cost-effective way of maintaining your family's living standards to an age where you'd expect them to be able to support themselves financially. The most common use would be for a family with children who are not working yet so are unable to take care of themselves financially.
Relevant Life Insurance
Relevant Life Insurance is a tax-efficient policy for a director or single employee. A simple level term life insurance product, it is placed in a specific trust to ensure its tax efficiency. The premiums are tax deductible and any benefit payable should a claim arise is also paid out tax free, which makes it an attractive product for entrepreneurs and their businesses.
Important Fact!
We can look at a more suitable option mid-term!
Why is it important to get life insurance early?
👉 Many people are very thankful that they had their life, income protection, and critical illness insurance cover in place before running into some serious issues. Critical illness and income protection insurance is as important as life insurance for protecting your family's finances.👉 We insure our cars, houses, bicycles and even bags! Yet our life and health are the most precious things we have.
Easily one of the most important insurance purchases an individual or family can make in their lifetime, the decision to buy life, income protection, critical illness and private medical health insurance can be made much simpler with the help of FCA-authorised advisers. They are the specialists who do the searching and analysis helping people choose between various types of life insurance policies available in the market, including income protection, critical illness and other types of policies most suitable to the client's individual circumstances.
It certainly won't do any harm if you speak with one of our experienced FCA-authorised insurance partner experts who are passionate about advising people on financial matters related to life insurance and are keen to provide you with a free consultation.
You can discuss with them in detail what affordable life, income protection, critical illness or private medical health insurance plan for the necessary peace of mind they would recommend! WeCovr works with some of the best advisers in the market.
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