Electricians & Life Insurance

Request a Callback

By clicking on submit I / We give consent for you  to call me / us on the number provided to discuss my / our financial requirements.

ElectriciansMany insurance providers will provide life insurance for electricians at normal rates.

As you will well know working with electricity can be dangerous, but insurers are very conscious that there are a lot of safety measures that you follow, which means that they usually view your work as low risk for life insurance.

When you speak with our advisers we will be asking you:

  • Do you ever work at heights of more than 40 feet?
  • Are you based offshore?
  • Do you ever work outside of the UK?

If you work at heights of 40ft or more on a frequent basis, then some insurers may increase the monthly premiums for your life insurance. This is known as non-standard terms.

Our advisers are here to help you find the right insurer to match your circumstances, to get you the best terms possible.

If you are an offshore electrician you will need to let us know so that we can research this for you. You will find our offshore workers page useful.

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 electricians is also regularly accepted at standard terms with many insurers. Again, the insurance provider will want to know if you frequently work at heights or are an offshore electrician.

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

Income protection insurance for electricians is available with many insurers, but an own occupation definition on the policy is only available with a select few.

Ideally you want to ensure that your policy has own occupation definition so that any claim that you make is based upon your ability to carry out your job as an electrician.

Other acceptance terms that are available will base a claim upon your ability to perform a similar occupation, or any occupation at all, making the claims process slightly more difficult.

Electricians income protection will come with deferment of 1 day, 1 week, 4 weeks, 8 weeks, 13 weeks, 26 weeks and 52 weeks before a successful claim is paid.

Our insurance advisers will be able to help you determine which deferment period suits your needs based upon employment benefits, savings you have and the price of the policies that are available.

We work alongside a specialist travel broker. To find out more, please visit our travel page here.

  • Domestic electrician
  • Commercial electrician
  • Offshore electricians
  • Burns
  • Electrocution
  • Falls
  • Under 40 feet
  • Above 40 feet
  • Testing
  • Installation and maintenance of electrical circuits and appliances

Client Reviews

Cura Financial Services has been rated 5 out of 5 based on 600 reviews.

Review by Anthony and Jessica on 20th October 2020

Excellent service, easy process highly recommended. - 5 

You can read more of our reviews here.

Electricians

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

Electricians

Client Reviews

Electricians

Talk to a Friendly Adviser

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

Get a Quote

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.

What We Offer?

  • Experienced and knowledgeable advisers
  • Specialist advice with no fees to pay
  • Full assistance with all of your paperwork
  • Put your policy into trust at no cost
  • A dedicated insurance adviser for you

Guides & News

Here’s our latest guides, musings, charity work, podcast, awards and industry updates. There’s a lot going on!

Our Recent Awards

Electricians
Electricians
Electricians
Electricians
Electricians