Models & Life Insurance
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Models & Life Insurance
Your work as a model can have an influence upon the life insurance options that you can have.
Many models are quite slim and a low BMI can have an affect on the best insurer for you. It could be that you are able to get life insurance at standard terms but there are a few things for us to check with you first.
When we speak with you we will ask you:
- Your height
- Your weight
- Possibly your dress size
- If you need to travel outside of the UK for work.
Once your BMI is towards 18 or lower, insurers do like to try and understand why your weight is so low. They might ask you if you have any medical conditions that are causing your weight to be lower. You can find that insurers may be able to offer you life insurance at normal terms, but in some circumstances there could be a premium increase.
Your BMI might also be higher than this and insurers can start to increase your life insurance premiums if your BMI is over 30. The key thing is to really understand which insurers will offer the most competitive price no matter what your weight is.
If you travel abroad regularly for work this can also change your options for life insurance. UK insurers usually want you to be registered with a UK GP, have a UK bank account and class the UK as your main home, for them to be able to offer you life insurance. We work with both UK and international insurers so you can feel confident that we will be arranging the best life insurance for you.
Our award winning advisers are here to find the right insurer to match your needs, so that you can have the peace of mind that comes with life insurance.
Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.
As a model your ability to work is often directly linked to you being fit and well. Your physical body is a key part of you being able to work. This can sometimes be seen as quite risky to insurers. In their eyes it doesn’t take much for you to be told that you are not well enough to work e.g. a broken leg, pneumonia.
It’s quite similar to a professional sportsperson. Your career is completely linked to your health and it’s not as easy for you to carry on working if you are ill.
Depending upon the type of model that you are some insurers will not offer you income protection as they see you as a high risk for making a claim. That doesn’t mean that all insurers won’t or that you will have to go to an insurer with confusing terms and conditions, or silly pricing. It just means that picking the right income protection provider for you as is absolutely essential.
Our expert advisers recommend income protection for people every day and we will be able to let you know exactly what you can have. Get in touch today for a no obligation quotation.
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 is one of the main insurances that people like to consider having. Your work as a model does not put you at a higher risk of claiming on a critical illness policy, so the good news is that you should have options with most insurers in the UK.
There is one claimable condition within critical illness cover that you might be restricted on, or not be offered. Total permanent disability (TPD) is a claimable condition that insurers can see as a higher risk of you claiming on. TPD is basically saying that if you become ill and can never work again in your current occupation, that the policy will pay out.
We often see exclusions on total permanent disability, it’s far more common than people think. It’s incredibly hard to claim on this condition so whilst this is not ideal, it should not put you off the main cover of cancer, heart attacks, stroke and more.
Our expert advisers will find the right critical illness policy to match your work.
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