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Life Insurance, Critical Illness Cover and Income Protection for Firefighters


Example Occupations: Fireman, Retained Firefighter

Possible Risks: Working above 40 feet, equipment safety, exposure to dangerous chemicals, severe burns, lung damage

Occupational Duties: Fire prevention, road traffic collisions, fire control, crowd control

Life Insurance

Life Insurance for firefighters can generally be accepted at standard terms with most insurance providers. As a firefighter your Life Insurance application will be quite straight forward providing that you have no significant personal or family medical disclosures and that your work does not take you abroad.

Critical Illness Cover

Critical Illness Cover for firefighters will also typically be accepted at standard terms with most insurers. Insurance providers do not see that being a firefighter will typically increase the risk of you being diagnosed with a critical illness. The Total and Permanent Disability option is not available to firefighters but this is a relatively small part of the policy and is considered to be an optional add-on. Any application that you place will focus more upon your health, foreign travel and hazardous pastimes rather than your occupation.

Income Protection

Firefighters Income Protection policies are available at standard terms with certain insurance providers. It is important that you apply for an own occupation definition for the policy, which will mean that any claims that you make are assessed upon your ability to work as a firefighter. Other definitions available are suited occupation or any occupation definition, resulting in any claim that you place being assessed on your ability to perform any like job or any job at all. These latter two definitions still provide valuable cover, but are more difficult to claim on than an own occupation policy. Our financial advisers can ensure that your application is placed with the correct insurer to enhance your chances of being offered an own occupation policy.

Income Protection for firefighters will be setup with a deferment period of 1 day, 1 week, 4 weeks, 8 weeks, 13 weeks, 26 weeks or 52 weeks. The deferment period sets the amount of time that you must wait to receive your policy payout from the time that you are no longer able to work. Factors such as any employment benefits you receive, savings and budget that you have should be used to inform your decision as to which deferment period suits you. Our financial advisers regularly help clients to determine which deferment period best suits their individual circumstances and we are happy to discuss the benefits of different options with you.


  • Fireman
  • Retained Firefighter

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