Civil Engineers & Life Insurance

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Civil Engineers & Life Insurance

Your life insurance options should be pretty straightforward as a civil engineer. Your occupation is not seen as particularly risky, but there are some potential parts of your role that insurers might be unsure of.

To find out which insurer will be right for you, our advisers may ask:

How much of your time is spent in an office versus being on site visits?
Do you ever work at heights (over 12 metres)?
Is your work based solely in the UK?
If you do travel abroad, where are you going to and how long for?

Civil engineers do a broad range of activities as part of their work and your options for life insurance will depend upon your actual job tasks, rather than your job title.

If you are more in the design management side of things, primarily desk based, then you are likely to get life insurance at standard terms.

If you are travelling a lot for work and doing site visits, you might find that your life insurance premiums are increased. This can happen with some insurers if you work outside of the UK for more than a week at a time and/or if you are going to higher risk locations. The key thing is some insurers, not all.

You can also find that if you need to work at heights, while you are doing assessments, this can alter which insurer is going to be best for you.

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.

Civil Engineers & 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.

If you are mainly office based and in the UK you are likely to get critical illness cover with normal terms.

The main times that you could see changes to options for critical illness cover is if you are travelling outside of the UK for work or working at heights.

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

Civil Engineers & Income Protection

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

Your occupation as a civil engineer is not seen as particularly risky for income protection, so you should be able to get standard terms with most insurers.

Again, work abroad or working at heights can alter which insurer will be best for you. When it comes to income protection there can be quite significant differences in price between insurers, so research is really important.

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

Civil Engineers & 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

Falls from heights
Heavy machinery malfunction
Back pain
Asbestos
Structural failures
Dust exposure
Hearing loss
Exposure to carcinogenic materials
Stress

Occupational Duties

Environmental assessments
Site management
Time management
Budget planning and management
Structural design and planning
Creating technical designs of new builds
Assessment of existing buildings

Client Reviews

Cura Financial Services has been rated 5 out of 5 based on 906 reviews.

Review by Karen on 6th January 2026

“Excellent service. Very good service. Persistent in difficult circumstances. I would recommend.” - 5 

You can read more of our reviews here.

Theodore Knowles

Author
This page was written by Theodore Knowles under the guidance of 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."