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.

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. 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 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. 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

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 528 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.

Carpenters

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

Carpenters

Client Reviews

Carpenters

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Please feel free to call us on 0800 567 7450 and one of our qualified insurance advisers will be happy to assist you.

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Please feel free to request a quote from us using our online form. The more information that you can provide us about your health conditions, hobbies, travel and/or occupation, the more accurate indications of price we’ll be able to give you.

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