Best life insurance, income protection and critical illness cover in 2021 for firefighters
Latest figures show that about 33,000 firefighters firefighters registered in the UK, doing one of the most important and dangerous front-line work in the UK.
Firefighting is indeed one of the most dangerous jobs in the country. One of the primary risks of being a firefighter is that of personal physical injury. Firefighters are susceptible to burns, smoke inhalation and crush injuries from collapsing structures.
They can suffer from heat exhaustion, as well as long-term job-related illnesses such as asthma, persistent coughing, heart disease, cancer and lung damage.
Due to the highly physical nature of the job, all matter of bodily harm can befall firefighters in the line of duty. Some physical fallout from the profession may not materialize until years down the road.
For those working as fire service workers, the nature of activities undertaken often makes it a higher risk compared to other jobs when it comes to getting life or income protection insurance.
WeCovr helps firefighters operating in a higher-risk activity find life insurance, income protection and critical illness cover, while saving them money.
WeCovr works with only FCA-authorised insurance experts that specialise in underwriting high-risk occupations. They are not tied to any one insurance provider, which allows them to provide you with the best value-for-money insurance offers if you work in fire service worker jobs with varying degrees of risk.
Fire Service Life Insurance - questions you may be asked
- What heights does your job involve working at?
- Do you work with dangerous machinery?
- What are the typical daily activities that you are involved in?
As well as detailed fact-finding information, to provide an accurate firefighter life insurance quote, you will need to specify:
- The level of life insurance cover required
- How many years the policy is required to last
- Who are the beneficiaries of the life insurance cover?
For a fast, free, no-obligation quote for a fire service worker life insurance cover please fill in a quick form available by tapping the button below.
About income protection cover for firefighters
WeCovr can provide competitive income protection cover quotes for firefighters. If you are unable to work due to illness or injury, by having income protection cover you will be paid a regular income. Typically, the policy will pay out after a pre-agreed period which can vary from one month to one year after you make a claim.
As with life insurance cover, the riskier your occupation as a firefighter, the higher the perceived risk; if you work as a firefighter, your income protection cover premiums are likely to be higher than for a plumber for example due to the additional underwriting required by the insurer.
Some of the common questions asked to formulate a quote can include:
- What level of income will you require?
- Tasks involving working at height or dangerous machinery
- Any injuries suffered?
Critical illness cover for firefighters explained
Critical Illness Cover is designed to pay out a lump sum if you have to go through a medical procedure or are diagnosed with a critical illness and survive at least ten days from diagnosis. The lump sum amount is to assist dependents financially while letting you concentrate on your diagnosis and recovery without having to worry about finances.
The list of illnesses that are part of critical illness cover includes but are not limited to some of the following:
- Alzheimer’s disease
- Multiple Sclerosis
- Some types of cancer
- Heart attack
To offer you best value-for-money insurance plans, WeCovr's insurance partners will need to ask several questions, including:
- How long do you want your policy to last?
- Do you want level or decreasing cover?
- Do you want to add a terminal benefit to your critical illness cover?
Get a free, no-obligation quote today for firefighters life insurance cover – protect your family! It's important for everyone and especially when you undertake high-risk fire service worker work!