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Life Insurance, Critical Illness Cover and Income Protection for Carpenters
- Example Occupations: Domestic, commercial, joiner
- Possible Risks: Equipment safety, amputation, working above 40 feet, chemical exposure
- Occupational Duties: Construction of wooden fittings and fixtures
Life Insurance for carpenters and joiners will be available at standard terms with most insurance providers within the UK. If you work at significant heights on a regular basis you will need to inform the insurer of this so that they are fully aware of your occupational hazards before offering cover.
Critical Illness Cover
Critical Illness Cover for carpenters is available at normal terms with most insurance providers. Critical Illness Cover can provide you with protection should you fall ill with a condition listed within the insurers claimable policy set, this can be anywhere from 40 to 161 illnesses depending upon the insurance provider you choose.
Income Protection for carpenters is available with a few insurance providers, with deferment periods of 1 day, 1 week, 4 weeks, 8 weeks, 13 weeks, 26 weeks and 52 weeks. The deferment period is the amount of time you would need to wait for a claim to be paid should you be unable to work. The choice of deferment will be based upon your employment benefits, budget for the monthly policy premiums and any savings you have. Our advisers are happy to help discuss the options with you to ensure that you get the right policy for your needs.
You should aim for your policy to have an own occupation definition in regards to claim payments. An own occupation definition will mean that should you be unable to work as a carpenter that your claim will be paid. Other Income Protection policy definitions will assess your ability to perform similar or any occupation at all, making it more difficult to claim as you would need to be more ill in order to fulfil the claim criteria. Our financial advisers will place your Income Protection application with the insurer that is most likely to offer you an own occupation definition and the best terms that are available to you.
Carpenters and joiners use their wood working skills in the construction of buildings, furniture and trimmings, to name but a few. Carpenters require a keen eye and mathematical skills to construct, read and implement blueprints of the work that they do.
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