Plumbers & Life Insurance
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Plumbers life insurance can often be accepted at standard terms with many insurers. The insurance provider will mainly be interested as to whether your work is based in the UK or offshore. If you are an offshore plumber please visit our page focused on offshore workers, for indications of underwriting guidelines for all policies that are detailed.
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 plumbers will also generally be available at normal terms with most insurance providers. Again if you are an offshore plumber, please check our offshore page.
Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.
Income protection insurance for plumbers can be placed with a number of insurance providers. You should place your application with an insurance provider who offers an own occupation definition for plumbers in their acceptance criteria. This will mean that should you make a claim your ability to work will be tested on the ability to work as a plumber. Suited occupation and any occupation are the alternative policy definitions available, that will broaden your claim criteria to your ability to work in similar or any other job role.
Income protection Insurance for plumbers is available with different deferment periods, which essentially means the time period that you will need to wait before a claim is paid. Deferment periods are generally available from 1 day, 1 week, 4 weeks, 8 weeks, 13 weeks, 26 weeks and 52 weeks. The decision as to which deferment period you require will be influenced by your savings, employment benefits and the budget you have for the cover. Our financial advisers are on hand to help you decide which deferment period bests suits your circumstances, please feel free to call us.
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