Singers & Life Insurance
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Singers & Life Insurance
Being a singer can be an incredibly freeing and satisfying job, where your creativity can absolutely shine. In general, insurers will have little concerns about your occupation when it comes to life insurance.
There can be some specific things that go hand in hand with your work, that can change who will be the best insurer for you.
To find the right life insurance for you our advisers may ask:
- Do you perform in the UK or abroad?
- How many business miles do you do on the road each year?
Overall most singers should be able to get life insurance at standard rates.
There are times that insurers might increase the premiums for your life insurance. This is most likely if you are travelling abroad for your work for long periods i.e. cruise ship entertainment. If you are also travelling around the UK to attend gigs as part of your work, you can find that the amount of business miles you do each year also influence the options.
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.
Singers & 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.
Critical illness cover should be available to you at standard terms with most insurers, provided that your work is mainly within the UK. The amount of travel that you do for business could influence who will be the best insurer for your critical illness cover.
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.
Singers & Income Protection
Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.
Being a singer is seen as quite a risky job when it comes to income protection. This is because your work is so dependent upon one area of your body. If you lose your ability to speak and sing, there isn’t another part of your body that can step in and take over.
For this reason you can find that some of your lesser well known insurers can price far more favourably than the more recognisable brands. It’s not always the case, but it can work out far cheaper to go with a more specialist insurer for your income protection.
With income protection the whole focus is upon inability to work due to ill health. If you do not have contracts renewed or you lose income through drops in social medial engagement, these are not reasons that you can claim on this type of policy.
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.
Singers & 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
- Back pain
- Excessive alcohol consumption
- Depression
- Drug use
- Eating disorders
- Stress
- Vocal strain
Occupational Duties
- Busking
- Collaboration with other artists
- Covering existing songs
- Creating new songs
- Performing to live audiences
- Recording performances
- Singing tuition
- Social networking
- Work with band members
- Vocal warm ups
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Cura Financial Services has been rated 4.9 out of 5 based on 872 reviews.
Review by Jordan on 28th August 2025
“Thank you. Alan and Rheanna were great to dealing so friendly and professional. Would highly recommend. Thanks!” - 5
You can read more of our reviews here.
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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
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