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Life Insurance for Scaffolders UK

WeCovr Editorial Team · experienced insurance advisers
Last updated Feb 2, 2026
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TL;DR

As a scaffolder, you work in one of the UK's most physically demanding and essential trades. You build the temporary skeletons that allow our towns and cities to grow and be maintained. But your profession is not without its risks.

Key takeaways

  • Working at Height: This is the most obvious and significant risk. Falls from height are consistently the leading cause of fatal accidents for UK workers. Even with rigorous safety protocols, the inherent danger remains.
  • Falling Objects: The risk of materials or tools being dropped from a height poses a danger not only to the public but also to fellow workers on the ground.
  • Manual Handling: The job involves continuous lifting, carrying, and assembling of heavy poles and boards. This leads to a high incidence of musculoskeletal disorders, such as back, shoulder, and knee injuries, which can develop over time.
  • Slips, Trips, and Falls: Even at ground level, a construction site is a hazardous environment, with uneven surfaces, cables, and materials creating constant trip hazards.
  • Weather Exposure: Working outdoors in all conditions, from blistering sun to ice and high winds, increases the risk of accidents and has long-term health implications.

As a scaffolder, you work in one of the UK's most physically demanding and essential trades. You build the temporary skeletons that allow our towns and cities to grow and be maintained. But your profession is not without its risks. Working at height, handling heavy materials, and battling the British weather all contribute to a risk profile that insurance companies pay close attention to.

This isn't a cause for alarm; it's a call for preparation. Securing the right financial protection is one of the most important steps you can take for yourself and your loved ones. This comprehensive guide is designed specifically for UK scaffolding professionals. We'll break down everything you need to know about life insurance, critical illness cover, and income protection, ensuring you can make informed decisions to protect your financial future.

Tailored policies for high-risk scaffolding professionals

Navigating the insurance market can be complex when you're in a high-risk occupation. Standard, off-the-shelf policies from comparison websites often don't account for the nuances of your job. They might offer you inflated premiums or, in some cases, outright decline cover without understanding the specifics of your role.

The key is to find tailored policies. Insurers who specialise in or have a more sophisticated understanding of manual trades can offer fairer terms. They'll look beyond the job title "scaffolder" and ask detailed questions to accurately assess your individual risk. This is where working with an expert broker becomes invaluable. They know which providers are best for tradespeople and how to present your application to secure the most favourable outcome.

Why is Scaffolding Considered a High-Risk Occupation?

To understand why insurers view scaffolding as high-risk, it's helpful to look at the specific challenges of the job. This isn't just about perception; it's based on hard data concerning workplace safety.

According to the Health and Safety Executive (HSE), the construction industry remains one of the most dangerous sectors to work in. In 2022/23, the sector accounted for the highest number of worker fatalities in Great Britain.

Key risks associated with scaffolding include:

  • Working at Height: This is the most obvious and significant risk. Falls from height are consistently the leading cause of fatal accidents for UK workers. Even with rigorous safety protocols, the inherent danger remains.
  • Falling Objects: The risk of materials or tools being dropped from a height poses a danger not only to the public but also to fellow workers on the ground.
  • Manual Handling: The job involves continuous lifting, carrying, and assembling of heavy poles and boards. This leads to a high incidence of musculoskeletal disorders, such as back, shoulder, and knee injuries, which can develop over time.
  • Slips, Trips, and Falls: Even at ground level, a construction site is a hazardous environment, with uneven surfaces, cables, and materials creating constant trip hazards.
  • Weather Exposure: Working outdoors in all conditions, from blistering sun to ice and high winds, increases the risk of accidents and has long-term health implications.

Because of these factors, insurers categorise scaffolding as a non-standard risk. They will want to know the specifics of your daily work before offering a policy, which is why a one-size-fits-all approach rarely works.

Understanding Life Insurance for Scaffolders

Life insurance is a foundational piece of financial planning. In its simplest form, it's a contract between you and an insurer that promises to pay out a tax-free lump sum to your loved ones if you pass away during the policy's term.

For a scaffolder, this provides an essential safety net. It ensures that if the worst were to happen, your family would have the financial means to:

  • Pay off the mortgage
  • Cover funeral expenses
  • Replace your lost income to manage daily living costs
  • Fund children's future education

There are several types of life insurance, each designed for different needs.

Policy TypeHow It WorksBest For
Level Term AssuranceThe payout amount (sum assured) and premiums stay the same throughout the policy term (e.g., 25 years).Covering an interest-only mortgage or providing a fixed lump sum for your family's future.
Decreasing Term AssuranceThe payout amount decreases over time, usually in line with a repayment mortgage balance. Premiums are lower than level term.The most cost-effective way to protect a repayment mortgage.
Family Income BenefitInstead of a lump sum, the policy pays out a regular, tax-free income until the end of the policy term.Replacing your monthly income in a manageable way for your family, helping with budgeting.
Whole of LifeThis policy has no end date and guarantees a payout whenever you pass away. It is significantly more expensive.Covering a future Inheritance Tax bill or leaving a guaranteed legacy.

How Your Scaffolding Job Affects Your Application

When you apply, the insurer will ask specific questions about your work. Honesty and accuracy are crucial here.

  • What is the maximum height you work at? Working below 12 metres (around 40 feet) is often considered standard. Working above this height may lead to higher premiums.
  • What percentage of your time is spent on-site versus in a supervisory or office role? A supervisor who spends 80% of their time on the ground will be viewed differently from a scaffolder who is "on the tools" 100% of the time.
  • Do you hold professional qualifications? Mentioning your CISRS (Construction Industry Scaffolders Record Scheme) card and other safety certifications demonstrates professionalism and a commitment to safety, which can positively influence underwriters.
  • Do you work in hazardous environments? This includes offshore oil rigs, railways, or near power lines.

Based on your answers, an insurer will either offer you standard rates (the same price as someone in a low-risk office job), increase the premium by a certain percentage, or in rare cases, decline cover. A specialist broker like WeCovr can navigate this process, ensuring your application is placed with an insurer that understands your role and is most likely to offer fair terms.

Critical Illness Cover: A Financial Shield for Serious Health Issues

While life insurance protects your family after you're gone, Critical Illness Cover (CIC) is designed to protect you and your family while you are living. It pays out a tax-free lump sum if you are diagnosed with one of a list of predefined serious medical conditions.

For a scaffolder, a critical illness diagnosis could be career-ending. Conditions like a heart attack, stroke, cancer, or a major injury resulting in loss of limb would make it impossible to continue in such a physically demanding role. The financial impact would be immediate and devastating.

A CIC payout provides a vital financial cushion, allowing you to:

  • Clear your mortgage and other debts.
  • Cover lost earnings while you recover.
  • Pay for private medical treatments or specialist therapies.
  • Make necessary adaptations to your home.
  • Reduce financial stress, allowing you to focus on your recovery.

Most policies cover between 40 and 100 specified conditions, with the core ones almost always including cancer, heart attack, and stroke. It's often purchased as a combined policy with life insurance (Life and Critical Illness Cover), where the policy pays out once on either diagnosis of a critical illness or on death.

Income Protection: The Ultimate Safety Net for Scaffolders

If there is one policy that every single scaffolder should consider essential, it's Income Protection (IP). While a critical illness is a life-changing event, a much more common scenario is being unable to work for several months due to injury or a less "critical" but still debilitating illness.

Think about it: a broken leg, a slipped disc, or severe stress could easily put you out of action for six months or more. If you're self-employed, your income stops on day one. If you're employed, your statutory sick pay (£116.75 per week as of 2024/25) will barely scratch the surface of your usual earnings. (illustrative estimate)

Income Protection is your financial lifeline. It pays you a regular, tax-free monthly income if you are unable to work due to any illness or injury that your GP signs you off for. It continues to pay out until you are well enough to return to work, or until the end of the policy term (often your planned retirement age).

Key features to understand:

  1. The Definition of Incapacity: This is the most important part of an IP policy.

    • 'Own Occupation': The policy pays out if you are unable to do your specific job as a scaffolder. This is the gold standard and what you should always aim for.
    • 'Suited Occupation': The policy will only pay out if you cannot do your own job or any other job for which you are suited by education or training. This is less favourable.
    • 'Any Occupation': The worst definition. It only pays if you are so ill you cannot do any kind of work at all. Avoid these policies.

  2. The Deferred Period: This is the waiting period from when you stop working to when the payments begin. It can be anything from 1 day to 52 weeks. The longer the deferred period you choose, the lower your premium will be. You should align this with any savings you have or any sick pay your employer provides.

  3. The Benefit Period: This is how long the policy will pay out for. It can be a short term (e.g., 1, 2, or 5 years per claim) or a long-term policy that pays out right up to retirement age. For complete peace of mind, a long-term policy is always recommended.

Personal Sick Pay for Tradespeople

Some insurers offer a product often branded as "Personal Sick Pay". This is typically a type of income protection with a short-term benefit period (usually 1 or 2 years). These policies can be a more affordable option for tradespeople and offer excellent protection against the most common causes of absence from work, which tend to be resolved within a year.

Get Tailored Quote

Specialist Cover for Self-Employed Scaffolders & Company Directors

Many scaffolders operate as sole traders or run their own limited companies. This offers flexibility but removes the safety net of employment benefits. Thankfully, there are specialist insurance solutions designed for business owners.

For the Self-Employed

If you're a sole trader, personal Income Protection is non-negotiable. It's your sole defence against losing your income due to sickness or injury. When calculating how much cover you need, you should base it on your pre-tax profits, not just your turnover.

For Company Directors

If you run your own scaffolding limited company, you have access to more tax-efficient options:

  • Executive Income Protection: This is an Income Protection policy owned and paid for by your business. The premiums are typically treated as an allowable business expense, meaning they can be offset against your corporation tax bill. The benefit is paid to the company, which then distributes it to you via PAYE. It's a highly efficient way to secure your income.
  • Key Person Insurance: Who is the most important person in your business? It's probably you or your lead scaffolder. If that person were to pass away or suffer a critical illness, the business could face a financial crisis. Key Person Insurance provides a lump sum to the business to cover lost profits, recruit a replacement, or clear business debts.
  • Gift Inter Vivos Insurance: If you plan to pass on shares in your business or other assets to your family, you might create an Inheritance Tax liability if you pass away within seven years of making the gift. A Gift Inter Vivos policy is a special type of life insurance designed to pay out a lump sum to cover this potential tax bill, protecting your beneficiaries.

The Application Process: Honesty is the Best Policy

Applying for protection insurance as a scaffolder involves more detail than for an office worker. Be prepared to answer questions honestly and thoroughly.

Typical Scaffolder-Specific Questions:

  • What is the exact nature of your duties? (e.g., scaffolder, advanced scaffolder, supervisor)
  • What is the maximum height you typically work at?
  • What percentage of your work is at heights above 12 metres?
  • Do you work with any hazardous materials or in high-risk locations (e.g., chemical plants, offshore, trackside on railways)?
  • What safety equipment do you use?
  • Do you have any supervisory responsibilities?

Crucially, you must provide full and honest disclosure. Withholding information about the height you work at or a pre-existing medical condition might seem like a way to get a cheaper premium, but it's incredibly risky. If you later need to make a claim and the insurer discovers the non-disclosure, they are within their rights to void the entire policy, leaving you or your family with nothing. It's simply not worth it.

How to Get the Best Cover and Fair Premiums

While your job is considered high-risk, it doesn't automatically mean you'll pay a fortune for insurance. Here's how to secure the right cover at the best possible price.

  1. Work with a Specialist Broker: This is the single most important piece of advice. A broker like us at WeCovr lives and breathes the insurance market. We know which insurers are best for scaffolders and other trades. We can fight your corner, present your case in the best light, and save you the time and stress of applying to multiple companies yourself.

  2. Focus on Your Health: Insurers rate you on your health as well as your occupation.

    • Stop Smoking: A smoker can pay almost double the premium of a non-smoker. Quitting for at least 12 months will slash the cost of your cover.
    • Maintain a Healthy BMI: A high Body Mass Index can lead to increased premiums.
    • Moderate Your Alcohol Intake: Be honest about your consumption, as it's a key underwriting factor.

  3. Highlight Your Professionalism: Emphasise your qualifications, your excellent safety record, and the protocols you follow. If you're a supervisor, make that clear. This all helps to build a picture of you as a lower-risk individual.

  4. Be Flexible with Policy Options: If a quote is too expensive, consider:

    • Lengthening the deferred period on an Income Protection policy.
    • Slightly reducing the sum assured.
    • Opting for a short-term IP policy (Personal Sick Pay) instead of a full-term one.

  5. Review Your Cover: Don't just buy a policy and forget about it. Life changes. If you move into a supervisory role, have children, or pay off your mortgage, your needs will change. Review your protection portfolio every few years to ensure it's still fit for purpose.

Health & Wellness Tips for Scaffolding Professionals

Your greatest asset is your health. Staying fit and well not only improves your quality of life but also reduces your risk of injury and can help keep your insurance premiums down.

  • Fuel Your Body: Scaffolding is a physically gruelling job. You need the right fuel. Focus on complex carbohydrates (oats, wholemeal bread, brown rice) for sustained energy, and lean protein (chicken, fish, eggs) to repair muscles. Stay hydrated by drinking plenty of water throughout the day.
  • Prioritise Sleep: A lack of sleep impairs judgement, coordination, and reaction times – all of which are critical when you're working at height. Aim for 7-9 hours of quality sleep per night to ensure you are sharp and alert on site.
  • Protect Your Back: Musculoskeletal injuries are rampant in the trade. Always use correct manual handling techniques. Bend your knees, keep your back straight, and keep the load close to your body. Regular stretching, particularly for your back and hamstrings, can significantly reduce the risk of strain.
  • Look After Your Mental Health: The pressure of the job, long hours, and financial worries can take a toll. Don't be afraid to talk about it. Organisations like The Lighthouse Construction Industry Charity offer a 24/7 helpline and support for tradespeople.

At WeCovr, we believe in supporting our customers' overall wellbeing. That's why we provide clients with complimentary access to CalorieHero, our AI-powered calorie and nutrition tracking app. It's a simple tool to help you manage your diet and stay in the best possible shape for your demanding job.

Real-Life Scaffolder Scenarios

Let's look at how this works in practice.

Scenario 1: Tom, the 28-year-old Employed Scaffolder Tom has a young family, a £250,000 repayment mortgage, and a job with a local firm. He's worried about what would happen to his family if he were gone. (illustrative estimate)

  • Solution (illustrative): A Decreasing Term Assurance policy for £250,000 over 30 years to clear the mortgage. He also adds a Level Term Assurance policy for £100,000 to provide his family with a lump sum. To protect his income, he takes out an Income Protection policy with a 13-week deferred period, to kick in after his employer's sick pay ends.

Scenario 2: Brian, the 48-year-old Self-Employed Scaffolder Brian runs his own one-man operation. His biggest fear is being unable to work. A few years ago, a broken ankle put him out of action for three months, and he had to use all his savings.

  • Solution (illustrative): Brian's top priority is 'Own Occupation' Income Protection. He opts for a policy that will pay him £2,500 a month until age 67. He chooses a 4-week deferred period, knowing he can manage for one month but no longer. This policy is his financial bedrock. He also has a small life insurance policy to cover his funeral costs.

Scenario 3: Chloe, the 40-year-old Director of a Scaffolding Company Chloe founded her own successful scaffolding company with 10 employees. The business relies heavily on her and her lead foreman, Steve.

  • Solution (illustrative): Chloe sets up Executive Income Protection policies for both herself and Steve through the business, a tax-efficient way to protect their salaries. She also takes out a Key Person Insurance policy on Steve for £150,000. If Steve were to suffer a critical illness, this money would allow the business to hire a top-level temporary replacement and manage any disruption without going under.

Securing Your Future: A Final Word

Working as a scaffolder requires skill, bravery, and a head for heights. It's a profession to be proud of. But with the inherent risks involved, failing to put a robust financial safety net in place is a gamble you shouldn't take.

Life Insurance, Critical Illness Cover, and especially Income Protection are not just "nice-to-haves"; they are essential tools for any responsible scaffolding professional. They provide peace of mind, knowing that no matter what happens, your family, your home, and your own financial stability are protected.

The insurance market for high-risk trades can seem daunting, but it is entirely navigable with the right guidance. By understanding your options and working with an expert adviser who specialises in finding cover for scaffolders, you can secure comprehensive and affordable protection.

Don't leave your future to chance. Take the first step today by speaking to a specialist who can help you build a financial scaffolding as strong and reliable as the structures you build every day.

Will my premiums be very expensive because I'm a scaffolder?

Not necessarily. While scaffolding is considered a higher-risk occupation, premiums are not always prohibitively expensive. Insurers will assess your individual circumstances, including the heights you work at, your specific duties (e.g., hands-on vs. supervisory), your health, and your lifestyle. By using a specialist broker who knows which insurers offer favourable terms to tradespeople, you can often find very competitive and affordable cover.

What happens to my policy if I stop being a scaffolder?

If you change jobs to a lower-risk profession (for example, you move into an office-based role), you should inform your insurer. In many cases, they will be able to review your policy and may reduce your monthly premiums to reflect your new, lower-risk occupation. It is always worth asking for a review as it could save you money.

Do I need a medical exam to get life insurance as a scaffolder?

For many people, a medical exam is not required. The application process usually involves a detailed health and lifestyle questionnaire. However, depending on your age, the amount of cover you are applying for, or any pre-existing health conditions you declare, the insurer may request a report from your GP or a mini-screening with a nurse (including checks like blood pressure, height, weight, and a blood or saliva sample). This is a standard part of underwriting and is paid for by the insurer.

I'm self-employed. What is the most important cover for me?

For a self-employed scaffolder, Income Protection is arguably the most crucial policy. Without an employer to provide sick pay, your income stops the moment you are unable to work due to any illness or injury. An 'Own Occupation' Income Protection policy ensures you continue to receive a regular, tax-free income, allowing you to pay your bills and focus on recovery without financial stress.

What's the difference between Personal Sick Pay and Income Protection?

"Personal Sick Pay" is a term often used for a specific type of Income Protection policy. The main difference is usually the length of the claim period. A traditional Income Protection policy can be set up to pay out until your retirement age if you are unable to return to work. Personal Sick Pay policies typically have a shorter claim period, paying out for a maximum of 1 or 2 years for each individual claim. This makes them more affordable while still covering you for the most common durations of absence from work.

Why shouldn't I just use a standard price comparison website?

Standard comparison websites are great for simple, standard-risk applications. However, as a scaffolder, your application is non-standard. A comparison site's initial quote may not be accurate, as it doesn't account for the specifics of your job. You could end up being declined or having the price hiked significantly after you apply. A specialist broker understands the market for high-risk occupations, knows which questions to ask, and can place your application with the insurer most likely to give you the best terms from the outset, saving you time, money, and hassle.

Sources

  • Office for National Statistics (ONS): Mortality, earnings, and household statistics.
  • Financial Conduct Authority (FCA): Insurance and consumer protection guidance.
  • Association of British Insurers (ABI): Life insurance and protection market publications.
  • HMRC: Tax treatment guidance for relevant protection and benefits products.

Related tools

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Inheritance Tax CalculatorOpen →
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WeCovr is an FCA‑regulated insurance broker. We may earn a commission if you purchase a policy via us. This guide is written to be impartial and informational.

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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!

There is no need to wait until the renewal of your current policy.
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 experienced 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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Any questions?

Life, income protection, and/or critical illness insurance are safety nets, very important at a difficult time. If anything happened to you before your cover ends, your life or critical illness insurance would pay a lump sum to your family and/or you (if you took a critical illness or income protection cover) to help cover the losses. Being diagnosed with a critical illness can be devastating, and it won't help matters to be also worrying about how you would cope financially. With a life, income protection, or critical illness policy, you can choose how much cover you need, how you want the policy to pay out, and whether you want cover for both you and your partner. Income protection insurance pays you a regular income if you can't work because of sickness or disability and continues until you return to paid work or you retire. Also known as permanent health insurance, it is quite important for anyone who relies on a paycheck to cover their living costs, but it's particularly important if you're self-employed or own a small business, where your income might be a bit less stable.

Life, income protection, and critical illness insurance pay out millions to families every day. Your expert will explain to you that you need to be honest and open when applying for your insurance.

If you're single with no dependants then it may be that you don't need life assurance. However, if you were to become seriously ill and unable to work, you may benefit from a critical illness or income protection policy. They can help you keep up to date with your rent, bills, food, and other expenses.

It's free to use WeCovr to find life, income protection, and critical illness insurance - we never charge you for quotes. Critical illness, income protection, and life insurance is an investment that pays many times over for you and/or your loved ones.

Life, income protection, and critical illness insurance are important financial products that insurance companies take a lot of care and diligence, so speaking to real human beings ensures that they understand your requirements fully so that you can get the right cover.

All of our partners are carefully vetted and authorised by the FCA, which means they are held to the highest standards that the FCA expects from them and treat all customers fairly!

Our insurance partners give us a few pounds when you take out a policy with one of their experts.

The cost of life insurance depends on several factors, including your age, occupation, health status, and the level of coverage you choose. Your life insurance policy is tailored to your needs, and the cost can vary based on the sum assured, policy term, and other factors.

Some life insurance policies offer an option to add critical illness cover as a rider or as a separate policy. This provides a lump sum payment if you are diagnosed with a critical illness covered by your policy, offering financial support during a difficult time.

Yes, life insurance is available to self-employed individuals to provide financial protection for their loved ones in the event of their death. It ensures that your family can maintain their standard of living and cover expenses such as mortgage payments, bills, and education costs.

If you outlive your life insurance policy and it expires without a claim, you will not receive any payout. Term life insurance policies are designed to provide coverage for a specific period, and once that period ends, the policy terminates without any residual value. However, you can typically renew or purchase a new policy if you still need coverage.

Critical illness insurance provides a lump sum payment if you're diagnosed with a serious illness covered by your policy, offering financial support during a difficult time. It can help cover medical expenses, mortgage payments, and other financial obligations while you focus on recovery.

Critical illness insurance covers a range of serious illnesses and medical conditions specified in your policy, such as cancer, heart attack, stroke, and organ failure. The lump sum payment can be used to cover medical treatment, ongoing care, and living expenses during your recovery.

The cost of critical illness insurance varies depending on factors such as your age, health status, lifestyle, and the level of coverage you choose. Our experts can provide personalised quotes to help you find affordable coverage.

Yes, you can have critical illness insurance alongside your health insurance coverage. Critical illness insurance provides additional financial protection specifically for serious illnesses, complementing your health insurance benefits.

Critical illness insurance policies typically have exclusions for pre-existing conditions and certain medical conditions not covered by the policy. It's essential to review the terms and conditions of your policy to understand what is and isn't covered.

Some critical illness insurance policies may provide coverage for recurring illnesses, while others may not. It's crucial to review the policy terms and understand the specific conditions under which you can make additional claims for recurring illnesses. Your insurer can provide more details on their coverage for recurring critical illnesses.

Yes, you can customise your life insurance policy to suit your individual needs and circumstances. Options may include choosing the sum assured, policy term, premium payment frequency, and additional riders for enhanced coverage.

If you miss a premium payment for your life insurance policy, your coverage may lapse, and your policy could be terminated. However, many insurers offer a grace period during which you can make the payment to keep your policy active. It's essential to contact your insurer to discuss your options if you're unable to make a payment.

Yes, you can typically change the beneficiary of your life insurance policy at any time by completing a beneficiary change form provided by your insurer. It's essential to keep your beneficiary designation up to date to ensure that the proceeds are distributed according to your wishes.

Term life insurance provides cover for a fixed period, such as 10, 20 or 30 years, and pays out a lump sum if you die during that time. It’s often chosen to protect a mortgage or to provide financial support while dependants still rely on your income. Whole-of-life insurance is designed to last for the rest of your life and guarantees a payout whenever you die, as long as premiums are maintained. It’s usually more expensive than term insurance and is sometimes used to help with inheritance tax planning or to leave a guaranteed legacy.

Some term life insurance policies offer the option to convert to a whole life insurance policy without the need for a medical exam or new underwriting. This conversion feature allows you to maintain coverage beyond the term of your policy and provides lifelong protection.

Some life insurance policies offer accelerated death benefits or living benefits that allow you to access a portion of the death benefit if you are diagnosed with a terminal illness. This feature provides financial assistance to help cover medical expenses and other costs during your final months.

While having savings can provide a financial cushion during tough times, income protection insurance offers additional security by replacing a portion of your income if you're unable to work due to illness or disability. It ensures that you can maintain your standard of living and cover essential expenses even if your savings are depleted.

Yes, self-employed individuals can claim income protection insurance if they're unable to work due to illness or disability. Income protection provides a regular income stream to replace lost earnings, helping self-employed individuals cover their living expenses and business costs during periods of incapacity.

The waiting period, also known as the elimination period, is the length of time you must wait after becoming unable to work due to illness or disability before you can start receiving benefits from your income protection insurance policy. Waiting periods typically range from 30 to 90 days, but longer waiting periods may result in lower premiums.

Income protection insurance is designed to provide financial support if you're unable to work due to illness or disability, not for redundancy. However, some policies may offer optional redundancy cover or unemployment cover as an additional benefit, providing a lump sum or monthly payments if you're made redundant.

The tax treatment of income protection insurance benefits depends on whether the premiums were paid with pre-tax or after-tax dollars. Benefits from policies funded with after-tax dollars are typically tax-free, while benefits from policies funded with pre-tax dollars may be subject to income tax. It's essential to consult with a tax advisor to understand the tax implications of your income protection insurance benefits.

Income protection insurance provides a regular income stream if you're unable to work due to illness or disability, while critical illness insurance provides a lump sum payment if you're diagnosed with a covered critical illness, such as cancer, heart attack, or stroke. Critical illness insurance offers financial support to cover medical expenses, living costs, or other obligations during your recovery.

Income protection insurance policies typically have a waiting period (also known as an elimination period) during which you do not receive benefits. If you become unable to work before this waiting period ends, you will not receive any income protection benefits until the waiting period has elapsed. It's important to have sufficient savings or other financial resources to cover your expenses during this initial period.

Many income protection insurance policies allow you to increase your coverage amount if your income rises, without the need for additional underwriting or medical examinations. This feature, sometimes called a 'guaranteed insurability option,' ensures that your coverage keeps pace with your increasing income and financial obligations.

The maximum age to purchase critical illness insurance varies depending on the insurer and the specific policy. While some insurers may offer critical illness insurance up to age 70 or beyond, others may have lower age limits. It's essential to check with insurers to determine their age eligibility criteria for purchasing critical illness insurance.

Whether you can get critical illness insurance if you have pre-existing conditions depends on the insurer's underwriting guidelines and the specific medical conditions. Some insurers may offer coverage with exclusions for pre-existing conditions, while others may decline coverage altogether. It's essential to disclose any pre-existing conditions when applying for critical illness insurance and discuss your options with insurers.

While health insurance provides coverage for medical expenses, critical illness insurance offers financial protection for broader expenses associated with a serious illness, such as lost income, household bills, and lifestyle changes. Critical illness insurance complements health insurance by providing additional financial support during a challenging time, ensuring that you can focus on recovery without worrying about financial burdens.

If you don't make a claim on your critical illness insurance during the policy term, you won't receive a benefit payout. However, having critical illness insurance provides peace of mind knowing that you're financially protected if you're diagnosed with a covered critical illness during the policy term. It's a form of financial preparation for unexpected events and offers valuable protection for you and your family.

If you outlive your critical illness insurance policy and don't make a claim for a covered critical illness during the policy term, the coverage will expire, and you won't receive a benefit payout. Critical illness insurance provides financial protection for a specific period, typically until a specified age or policy term, and offers peace of mind knowing that you're prepared for the unexpected.

Yes, many insurers offer optional riders or add-ons that you can add to your critical illness insurance policy for enhanced coverage. Common riders may include waiver of premium, which waives future premium payments if you become disabled, or return of premium, which refunds a portion of your premiums if you don't make a claim during the policy term. It's essential to review available riders with insurers to customise your coverage to meet your specific needs.

To make a claim on your critical illness insurance policy, you'll need to notify your insurer of your diagnosis and submit a claim form along with any required medical documentation, such as medical reports, test results, and physician statements. Once your claim is reviewed and approved by the insurer, you'll receive the lump sum benefit payment, which you can use to cover medical expenses, living costs, or other financial needs during your recovery.

As we age, the likelihood of encountering health complications increases for us all. In the event that you develop a severe medical condition, critical illness protection can assist with the expenses of crucial bills – enabling you to concentrate on recuperation or adjusting to your new health circumstance.

The typical expense of a Critical Illness protection policy will fluctuate based on aspects such as your age and medical background. As per our investigation, you can secure a policy starting from as low as £8 (for a non-smoking 21-year-old individual).

The most prevalent critical illnesses in the UK are cancer, cardiac arrest, and cerebrovascular accident (stroke).

Cancer is one of the primary causes for critical illness insurance claims in the UK. Cancer constitutes over 80% of critical illness cover claims for females and about 45% of critical illness claims for males.

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