Chefs & Life Insurance

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Chefs & Life Insurance

Working as a chef should not cause you any issues in getting life insurance at standard premiums in the UK.

There are some types of work that you may do that can alter your options for life insurance and we will check these with you before you apply for life insurance.

We will ask you:

Do you work outside the UK as a chef?
If you do, how often are you outside of the UK?

Most life insurance policies should be available to you at normal terms if you work in the UK.

If your work takes you outside of the UK you might need to look at specific insurers for your life insurance. Some insurers will ask about you how long you are outside of the UK in one go, others can ask for the total amount across the year. You can find that some insurers will not be able to accept your application for life insurance if your work does take your abroad.

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.

Chefs & 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 for chefs at normal terms with most insurers in the UK. If your work takes you abroad this can change which insurer is going to be best for you.

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.

Get a Critical Illness Cover Quote

Chefs & Income Protection

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

You mind find it surprising, or maybe you won’t, that being a chef is seen as one of the highest risk jobs when it comes to income protection. The biggest claims for income protection are linked to mental health and back problems. Insurers tend to view chefs as being at a higher risk of claiming due to their work.

It’s quite likely that you will be able to get standard terms for income protection with UK insurers, but insurers will price for chefs in different ways. The choice of insurer can make huge differences to what you end up paying for income protection.

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.

Get an Income Protection Quote

Chefs & 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.

Possible Risks

Fatigue
Heat exhaustion
Knife injuries
Significant burns
Stress

Occupational Duties

Food preparation
Health and safety management
Project management

Client Reviews

Cura Financial Services has been rated 4.9 out of 5 based on 873 reviews.

Review by Abigail on 19th April 2024

“Friendly, supportive and managed to find me the product I needed.” - 5 

You can read more of our reviews here.

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

Client Reviews

"Alan and his team were great! Alan helped get me cover where my own company could not (I work in financial services too!) Would highly recommend and will come back in the future."

"Krystle was fantastic throughout and managed to knock almost 50% off my current life insurance premium."

"Leanne couldn't have been more helpful and thoughtful with her questions and work on my enquiry."

"Kathryn and her colleagues were very helpful because of my recent illness."

"Nick was my advisor, Excellent knowledge of products and what I needed, not just pushing me into a sale/policy, will always refer to him in the future."

"I would like to say a very big thank you especially to Amy you really went above and beyond."

"Annaliese was absolutely fantastic, making us both feel at ease and helping us navigate issues that had caused us problems with previous attempts to obtain insurance."