Life Insurance for Models UK
The world of modelling is one of creativity, ambition, and immense pressure. From high-fashion runways to commercial photoshoots, a model's career is built on their unique look, physical health, and relentless drive. But behind the glamour lies a reality of fluctuating income, freelance contracts, and the constant need to be in peak condition.
This unique professional landscape makes financial planning not just a good idea, but an absolute necessity. A standard, off-the-shelf insurance policy often fails to account for the specific challenges and risks faced by models in the UK. What happens if an injury prevents you from working for six months? How would you cope financially with a serious illness? And how can you ensure your loved ones are protected if the worst should happen?
This comprehensive guide is designed to answer these questions. We'll explore the types of flexible protection available—from life insurance to income protection—and explain how they can be tailored to provide a robust financial safety net for your one-of-a-kind career.
Flexible protection for fashion and commercial models
The life of a model is anything but a standard 9-to-5. This career path presents a unique set of financial and personal risks that demand a specialised approach to financial protection. Understanding these challenges is the first step toward building a resilient financial future.
Key Challenges for UK Models:
- Irregular Income Streams: Earnings can swing dramatically from month to month. One major campaign can be followed by a quiet period, making consistent budgeting and financial planning difficult. A standard insurance policy might not easily accommodate this.
- Predominantly Freelance Status: Most models work on a self-employed basis. This means no access to traditional employee benefits like statutory sick pay, holiday pay, or a company pension scheme. If you don't work, you don't get paid.
- Your Health is Your Business: For a model, physical wellbeing is a primary professional asset. An accident, injury, or illness that might be a temporary inconvenience for an office worker could be a career-ending event for you.
- High-Pressure Environment: The industry is known for its demanding schedules, constant travel, and intense focus on physical appearance. This can take a toll on both physical and mental health, which are key factors in underwriting insurance.
- Global Travel Requirements: Frequent international travel is often part of the job. While exciting, it can expose you to different health risks and can be a specific point of interest for insurers when assessing your application.
- Career Longevity: While some models enjoy long and varied careers, the peak earning years can be relatively short. This makes long-term financial planning, including protection, even more critical to secure your future beyond your modelling years.
These factors combine to create a situation where a single unforeseen event—an illness, an accident, or a family tragedy—can have a devastating financial impact. Flexible protection policies are designed to mitigate these exact risks, providing a financial cushion when you need it most.
Why Models Need Specialised Financial Protection
Failing to plan is planning to fail, and in a career as unpredictable as modelling, this old adage has never been more true. Let's delve deeper into why a bespoke protection plan is not a luxury, but a cornerstone of a successful and sustainable career.
Imagine you're a commercial model earning an average of £60,000 a year. You have a mortgage of £2,000 per month and other living costs of £1,500. A minor accident during a shoot results in a broken ankle, and you're unable to work for 12 weeks. With no sick pay from an employer, how do you cover your £10,500 in bills during that time? This is where a tailored insurance plan becomes your financial lifeline.
The Self-Employed Reality: No Safety Net
The vast majority of models are self-employed. This offers freedom and flexibility but comes at the cost of the security that traditional employment provides.
| Benefit | Typical Employee | Freelance Model |
|---|---|---|
| Sick Pay | Statutory Sick Pay (SSP) & often company sick pay | £0 |
| Death in Service | Typically 3-4x salary as a lump sum to family | £0 |
| Paid Holidays | Minimum 28 days per year | £0 |
| Maternity/Paternity | Statutory and often enhanced company pay | Minimal government allowance |
| Pension | Employer contributions are mandatory | Responsible for 100% of own pension savings |
This stark comparison highlights the vulnerability of a freelance model. You are your own C.E.O., H.R. department, and finance director. It falls on you to create the safety net that an employer would otherwise provide.
Your Health is Your Greatest Asset
Nowhere is the saying "health is wealth" more applicable than in the modelling industry. Your ability to work and earn is directly tied to your physical and, increasingly, mental wellbeing.
- Physical Injury: A scar, a broken bone, or a skin condition can directly impact your ability to get booked for jobs.
- Serious Illness: A diagnosis like cancer or a heart condition requires extensive treatment and recovery time, making work impossible. According to Cancer Research UK, 1 in 2 people in the UK will be diagnosed with cancer in their lifetime.
- Mental Health: The pressure to succeed, maintain a specific image, and deal with rejection can lead to significant mental health challenges. The Mental Health Foundation reports that stress, anxiety, and depression are the biggest cause of sickness absence in our society. Modern insurers recognise this and many policies now include valuable mental health support services.
A critical illness or income protection policy acts as a buffer, ensuring that a health crisis doesn't automatically become a financial one.
Understanding Your Core Protection Options
Navigating the world of insurance can feel overwhelming, with its jargon and myriad of products. However, for a model, it boils down to three core types of protection that form the foundation of a solid financial plan.
1. Life Insurance
Life insurance is perhaps the most well-known type of protection. In its simplest form, it pays out a tax-free lump sum to your chosen beneficiaries if you pass away during the policy term.
Why would a model need it?
- To cover a mortgage: Ensuring your partner or family can remain in the family home.
- To clear debts: Paying off loans, credit cards, or car finance.
- To provide for dependents: Leaving a lump sum for your children's upbringing and education.
- To cover funeral costs: The average cost of a basic funeral in the UK is now over £4,000.
Key Types of Life Insurance:
| Policy Type | How It Works | Best For... |
|---|---|---|
| Level Term | The payout amount remains the same throughout the policy term. | Covering an interest-only mortgage or providing a set lump sum for family. |
| Decreasing Term | The payout amount reduces over time, typically in line with a repayment mortgage. | Covering a repayment mortgage, as it's a cost-effective option. |
| Family Income Benefit | Instead of a lump sum, it pays out a regular, tax-free income to your family until the policy term ends. | Young families who need to replace a lost monthly income for daily living costs. |
| Whole of Life | Guarantees a payout whenever you die, as long as you keep paying premiums. | Covering a definite future cost, such as an inheritance tax bill or funeral expenses. |
2. Critical Illness Cover (CIC)
This is arguably as important as life insurance, especially in a physically-dependent career. Critical Illness Cover pays out a tax-free lump sum if you are diagnosed with one of the specific serious (but not necessarily terminal) illnesses listed in the policy.
The payout gives you financial freedom at a time of immense stress. You can use the money for anything:
- Replace lost income while you recover.
- Pay for private medical treatment to speed up recovery.
- Adapt your home to new mobility needs.
- Clear your mortgage or other debts to reduce financial pressure.
- Fund a change in career if you're unable to return to modelling.
Most policies cover dozens of conditions, with the most common claims being for cancer, heart attack, and stroke. Given that your ability to work is so closely linked to your health, CIC provides a vital financial cushion against life's most challenging health events.
3. Income Protection (IP)
For any self-employed individual, Income Protection is the absolute cornerstone of financial protection. If Life and Critical Illness cover are the walls and roof of your financial house, Income Protection is the foundation.
It's designed to do one simple but crucial thing: replace a portion of your monthly income if you are unable to work due to any illness or injury.
How does it work?
- You choose a monthly benefit amount (typically up to 60-65% of your gross income).
- You select a "deferment period" – this is the waiting time from when you stop work to when the payments begin (e.g., 4, 8, 13, 26, or 52 weeks).
- If you're signed off work by a doctor for a reason covered by the policy, after your deferment period ends, the policy will start paying you the agreed monthly benefit, tax-free.
- Payments continue until you either return to work, the policy term ends, or you pass away.
The 'Own Occupation' Definition: A Crucial Detail for Models
When choosing an Income Protection policy, the definition of incapacity is critical. The best policies use an 'Own Occupation' definition. This means the policy will pay out if you are unable to perform the specific duties of your own job as a model.
Other, less comprehensive definitions (like 'Suited Occupation' or 'Any Occupation') might only pay out if you're unable to do any job, which is far less protective for someone in a specialised career like modelling. For a model, an injury that leaves a visible scar might prevent you from doing your own occupation, but you could still work in a call centre. An 'Own Occupation' policy would protect you in this scenario.
For those in higher-risk jobs or seeking a more budget-friendly, short-term solution, Personal Sick Pay policies are also available. These are a form of income protection that typically pays out for a maximum of 1 or 2 years per claim.
How Insurers View the Modelling Profession
When you apply for insurance, underwriters assess your level of risk. The modelling profession has several unique aspects that they will look at closely. Being prepared for this will make the application process much smoother.
The Application: Honesty is the Best Policy
You'll be asked a series of questions about your health, lifestyle, and occupation. It is vital to be completely honest and accurate. Withholding information could lead to a claim being denied in the future.
Key areas for a model include:
- Income: As your income is variable, insurers will typically ask for evidence of your earnings over the last 2-3 years. Your accountant's records or SA302 tax calculations will be essential. They will then use an average to determine the maximum level of income protection you can have.
- Travel: You must declare your travel patterns. Insurers want to know where you go, how often, and for how long.
- Standard Travel: Frequent trips to Western Europe, North America, or Australia are generally considered low-risk.
- Higher-Risk Travel: Some countries may have FCDO (Foreign, Commonwealth & Development Office) warnings against travel due to political instability, disease, or other dangers. Extensive travel to these locations can lead to higher premiums or exclusions.
- Lifestyle: Standard questions about smoking, vaping, and alcohol consumption will be asked. Smokers can expect to pay significantly higher premiums (often double) than non-smokers.
The Sensitive Subjects: BMI and Mental Health
Insurers need to build a complete picture of your health, which can sometimes involve sensitive topics.
Body Mass Index (BMI)
BMI is a simple measure of weight against height that insurers use as a general indicator of health.
- The "standard" range is typically between 18.5 and 25.
- Many models, particularly in high fashion, may have a BMI below 18.5.
- While a slightly low BMI (e.g., 17.5-18.4) may be accepted at standard rates by some insurers, a very low BMI may result in higher premiums or require a report from your GP to confirm you are in good health.
- A history of eating disorders (like anorexia or bulimia) must be disclosed. Underwriters will want to know about the timeline, treatment received, and the length of time you have been stable and fully recovered. A disclosure does not mean an automatic decline, especially if the issue is firmly in the past.
Mental Wellbeing
The high-pressure nature of modelling can impact mental health. Insurers are increasingly aware of this and have refined their approach.
- You must disclose any history of anxiety, depression, stress, or other mental health conditions for which you have sought medical advice or treatment.
- Underwriters will consider the severity, frequency, time off work, and any treatment or medication.
- A single, mild episode some years ago may have no impact on your application. More recent or severe conditions might lead to a premium increase or an exclusion on the policy for mental health-related claims.
- Working with an expert broker like WeCovr is invaluable here. We know which insurers have a more sympathetic and modern approach to mental health disclosures and can guide you to the provider most likely to offer favourable terms.
Tailored Solutions for Different Types of Models
Your insurance needs will vary depending on the structure of your career and your business setup.
The Freelance Model
This is the most common scenario. Your financial protection is your personal responsibility.
- Core Portfolio: A robust Income Protection policy with an 'Own Occupation' definition is the priority. This should be supported by Life Insurance and/or Critical Illness Cover to protect your mortgage and loved ones.
The Model as a Company Director
Many successful models set up their own limited company to manage their earnings. This opens the door to highly tax-efficient methods of arranging protection. Instead of paying for cover from your post-tax personal income, the business can pay for it.
- Executive Income Protection: Your limited company pays the premiums for your income protection policy. This is an allowable business expense, reducing your corporation tax bill. If you need to claim, the benefit is paid to the company, which then distributes it to you as income. It's a more tax-efficient way to secure your earnings.
- Relevant Life Cover: This is a company-paid death-in-service policy for you as the director. The premiums are a business expense, and they do not count as a P11D benefit-in-kind. The payout goes directly to your family, tax-free and outside of your estate for inheritance tax purposes. It's a fantastic alternative to personal life insurance for company owners.
- Key Person Insurance: Does your business (e.g., your limited company or even your agency) rely heavily on you to generate revenue? Key Person insurance pays a lump sum to the business if you, the key person, die or are diagnosed with a critical illness. This cash injection helps the business absorb the financial shock, recruit a replacement, or wind down affairs in an orderly manner.
Navigating business protection can be complex, but the tax advantages are significant. At WeCovr, we specialise in helping company directors understand and implement these valuable strategies.
How to Get the Best Premiums and Coverage
While some factors like your age and medical history are fixed, there are several proactive steps you can take to secure the best possible cover at the most competitive price.
- Lead a Healthy Lifestyle: Insurers reward healthy living. Being a non-smoker is the single biggest factor in reducing premiums. Maintaining a healthy weight, a balanced diet, and regular exercise will also reflect positively on your application. To help our clients on their health journey, WeCovr provides complimentary access to CalorieHero, our AI-powered calorie and nutrition tracking app, demonstrating our commitment to your long-term wellbeing.
- Choose a Longer Deferment Period: For Income Protection, the longer you can wait before the payments start, the lower your monthly premium will be. If you have 3-6 months of savings, you could opt for a 13 or 26-week deferment period and save a significant amount.
- Prepare Your Financials: Have at least two, preferably three, years of certified accounts or SA302 forms ready. This provides clear proof of your income and speeds up the application process for Income Protection.
- Review Cover Regularly: Your protection needs are not static. Review your policies every few years, especially after major life events like buying a property, getting married, having a child, or seeing a significant increase in your income.
- Don't Settle for the First Quote: The insurance market is competitive, and different providers have different appetites for risk. What one insurer may view unfavourably (e.g., a specific travel schedule or low BMI), another may be perfectly happy with.
- Use an Expert Broker: This is the most effective step of all. A specialist broker doesn't just sell you a policy; they provide expert guidance.
- Market Knowledge: We understand the nuances of each insurer's underwriting criteria. We know who is best for self-employed individuals, who has the best 'own occupation' definition, and who takes a more modern view on BMI or mental health.
- Application Support: We help you frame your application correctly, ensuring all information is disclosed accurately to prevent issues at the claim stage.
- Time and Money: We do the shopping around for you, comparing plans from all the UK's major insurers to find the policy that offers the right level of cover for your unique needs at the best possible price.
A Practical Example: The Case of 'Chloe'
Let's put this into practice with a typical scenario.
- Client: Chloe, a 29-year-old freelance commercial model.
- Income: Averages £50,000 per year.
- Circumstances: Rents a flat in London, has no dependents, but has some savings. Her main concern is being unable to pay her rent and bills if she gets sick or injured.
- Goal: To create a foundational safety net that protects her income.
Our Recommended Solution:
- Primary Cover - Income Protection:
- Benefit: £2,500 per month (60% of her gross income).
- Deferment Period: 13 weeks. Chloe has enough savings to cover her outgoings for three months, so choosing a longer deferment period makes her premium much more affordable.
- Definition: A guaranteed 'Own Occupation' policy.
- Secondary Cover - Life & Critical Illness Cover:
- Benefit: A level term policy for £100,000.
- Term: To age 65.
- Purpose: While she has no mortgage, this lump sum would provide a significant financial cushion for her or her family. It could clear any outstanding debts, cover final expenses, and give her financial options if a serious illness meant she could no longer continue modelling.
This blended approach gives Chloe comprehensive protection. The Income Protection policy is her primary defence against short-term illness and injury, while the Critical Illness Cover provides a large lump sum for more serious, potentially career-altering, health events.
Inheritance Tax and Gift Inter Vivos Insurance
For highly successful models, long-term wealth planning becomes a key consideration. As your earnings grow, you may want to help family members financially, perhaps by gifting a deposit for a house. This generous act can, however, have Inheritance Tax (IHT) implications.
The 7-Year Rule:
In the UK, if you give away assets (a "gift") and then pass away within seven years, the value of that gift might still be counted as part of your estate for IHT purposes. Tax may be due on a sliding scale if you die between 3 and 7 years after making the gift.
How Gift Inter Vivos Insurance Helps:
This is a specialised life insurance policy designed to cover this specific tax liability.
- You take out a life insurance policy for the same amount as the potential tax bill.
- The term of the policy is 7 years.
- If you pass away within the 7 years, the policy pays out to your beneficiaries, giving them the funds to pay the IHT bill on the gift.
- After 7 years, the gift is fully exempt from IHT, and the policy is no longer needed.
This is a smart planning tool for high earners who want to pass on wealth during their lifetime without leaving their loved ones with an unexpected tax bill.
Your Financial Future in Your Hands
A career in modelling is exciting, rewarding, and unlike any other. But its unique structure demands a proactive and intelligent approach to financial security. You are the architect of your own success, and that includes building a robust financial safety net to protect you from the unexpected.
Relying on luck or state benefits is not a viable strategy. By understanding your risks and exploring the flexible protection options available—from the foundational security of Income Protection to the vital support of Critical Illness Cover and Life Insurance—you can take control of your financial destiny.
Whether you're a freelancer just starting out or a seasoned professional running your own limited company, expert advice is key. A specialist can help you navigate the complexities of the insurance market, tailoring a protection portfolio that fits your life, your career, and your ambitions, ensuring you can focus on what you do best, with complete peace of mind.
As a model, what is the most important type of insurance for me?
Will my low BMI stop me from getting life insurance or income protection?
How do I declare my income if it changes every month?
I have a history of an eating disorder. Can I still get cover?
Is my travel insurance enough if I get injured or sick abroad?
Do I need to tell the insurer that I am a model?
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.
By tapping the button below, you can book a free call with them in less than 30 seconds right now:
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WeCovr is an insurance specialist for people valuing their peace of mind and a great service.👍 WeCovr will help you get your private medical insurance, life insurance, critical illness insurance and others in no time thanks to our wonderful super-friendly experts ready to assist you every step of the way.
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