Blacksmiths & Life Insurance
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Life insurance for blacksmiths should be available at standard terms with most insurance providers. The insurer will be more interested in your health, foreign travel and hazardous pastimes rather than your occupation.
You will find that your occupation has more of an influence upon income protection insurance applications. We go into more detail on this below.
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 for blacksmiths will also generally be available at standard terms with most insurance providers. Insurers do not typically see your activities as a blacksmith as having a significant potential to cause a serious medical condition.
Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.
Income protection for blacksmiths can be available at normal terms with certain insurance providers.
When you speak with our advisers we will be asking you questions about:
- Do you use any heavy machinery?
- How many hours do you work per week?
- How much of your working week is manual, admin or supervisory?
- Do you need to travel abroad for your work?
When your application is being placed you should try and secure an ‘own occupation’ definition of cover. This will mean that any income protection claim that you place will be based upon your ability to work as a blacksmith, rather than any suited occupation or any job at all.
Our insurance advisers can help you to place your income protection application with the correct insurer for your circumstances to secure you the best policy terms possible.
Income protection policies come with deferment periods of 1 day, 1 week, 4 weeks, 8 weeks, 13 weeks, 26 weeks or 52 weeks. When placing your cover you should consider any employment benefits that you receive as a blacksmith, savings in place and the budget that you have available for cover. The shorter the deferment period that you choose the quicker you will receive the policy payout from a successful claim. Our financial advisers can help you to determine the best policy options for your needs, so please feel free to call us and use our advice.
Blacksmiths are largely employed within the private sector as metalworkers for the the manufacturing industry (submarines, ships, rigs) or as private trades in an artistic sense creating more unique products (sculptures). The exposure to a high manual workload, heavy lifting, and being located near high temperature equipment can make the job have a higher element of risk involved.
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