Actors & Life Insurance
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Actors & Life Insurance
I did a little bit of very amateur acting at the Stephen Joseph Theatre, many years ago. I loved it! Terrifying and exhilarating, all in one. Most of the time bring an actor shouldn’t have an impact upon your life insurance application.
There are some things about your occupation that can influence your life insurance options, in terms of who will be the best insurer and what will be the best price.
To double check the right life insurance for you, our advisers may ask:
- Do you ever work at heights?
- Do you do any form of high risk sports or stunt work as part of your roles?
- Is your work within the UK or abroad?
If you are working as an actor in the UK and doing standard theatre, tv or film work, that is not physically demanding, then you should be able to get life insurance at standard terms.
If you work as an actor takes you abroad, your choices for life insurance will depend upon the locations you are travelling to and how long you are outside of the UK. You can find that extensive travel abroad means that life insurance premiums go up and some insurers might decline your application for life insurance.
Any kind of stunt work, working at heights, use of motorbikes, horse riding, martial arts and other sports, can have quite an influence on the premiums you pay for life insurance, so research is essential!
Our award winning advisers are here to give you peace of mind with the right life insurance policy, so that if the worst happens, your loved ones will be taken care of.
Actors & Critical Illness Cover
Critical illness cover pays out a cash lump sum of money, if you are diagnosed with a medical condition that is listed in the insurer’s claims set e.g. cancer, heart attack, stroke.
Critical illness cover should be available at normal terms for most actors based within the UK. Your travel and any sport requirements for you roles, can potentially alter who will be the best insurer for your critical illness cover.
Our expert advisers are trained to find the critical illness policy that matches you and your needs, so that if you are diagnosed with a critical illness, you can focus upon you rather than worrying about money.
Actors & Income Protection
Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.
Income protection is really interesting for actors as you are seen as being quite high risk. A lot of people don’t think of actors as being super risky for being ill and unable to work, but, the key thing is that it wouldn’t take much illness for you to be unable to do your work.
A bad cold where you lose your voice, a broken leg, a bad back that stops you being able to stand for long periods or move across a stage, can all be reasons that you could no longer work. Whereas someone else at a desk based job could potentially carry on in these circumstances. So, many insurers see your occupation as high risk, this can often mean that the premiums are quite a bit higher.
There are insurers that can consider income protection applications for actors, without big premium hikes. Again, research is absolutely essential to make sure that you get the best quality contract and price.
It’s really important to keep in mind that income protection is about your inability to work, due to you being ill. It does not cover loss of income due to not signing up a new role, or losing your current gig.
Protecting your income is one of the most important things that you can do to protect your financial future and our award winning advisers are here to sort it for you.
Actors & Travel Insurance
We work alongside a specialist travel broker to get you the travel insurance that you need. It is even more important to make sure that seek advice if you are regularly travelling outside of the UK to see your clients. To find out more, please visit our travel page here.
Occupational Duties
- Auditions
- Dress rehearsals
- Long studio recordings
- Memorising plays
- Perform to a live audience
- Working as part of a team
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Dr Kathryn Knowles Phd
Author
This page was written by Dr Kathryn Knowles Phd, an award-winning insurance adviser. To read more about Kathryn please see her bio here
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