Carpenters & Life Insurance

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CarpentersLife 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.

Your occupation will most likely have an influence upon options for income protection and we detail this later on this page.

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 carpenters is available at normal terms with most insurance providers. 

Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.

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.

There are some specific questions that we will ask you about your work to find the right insurer for you:

  • How many hours do you work each week?
  • How much of your working week is manual, admin or supervisory tasks?
  • Do you need to travel outside of the UK for your work?
  • Have you had any time off work in the last couple of years due to ill health or injury?

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.

We work alongside a specialist travel broker that can find the right policy for you. To find out more, please visit our travel page here.


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.

  • Domestic carpenter
  • Commercial carpenter
  • Rough carpenter
  • Joister
  • Finish carpenter
  • Trim carpenter
  • Cabinet maker
  • Ships carpenter
  • Framer
  • Roofer
  • Joiner
  • Equipment safety
  • Amputation
  • Working above 40 feet
  • Chemical exposure
  • Construction of wooden fittings and fixtures

Client Reviews

Cura Financial Services has been rated 5 out of 5 based on 724 reviews.

Review by Abigail on 12th October 2020

Friendly, hassle-free and efficient service from Cura Alan and the team at Cura were such a help to me in securing life insurance when I struggled to get cover elsewhere. The service I received from start to finish was friendly, hassle-free and efficient, so I would highly recommend and not hesitate to use Cura again in the future. - 5 

You can read more of our reviews here.


Dr Kathryn Knowles Phd

This page was written by Dr Kathryn Knowles Phd, an award-winning insurance adviser. To read more about Kathryn please see her bio here


Client Reviews


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