Roofer life insurance, critical illness cover and income protection
Sports Financial specialises in insurance solutions tailored for individuals engaged in high-risk occupations or extreme sports, providing comprehensive coverage options such as life insurance, critical illness cover, and income protection. It’s crucial for anyone with dependents or financial obligations, like a mortgage, to prioritise securing life insurance and personal insurance coverage. This ensures financial security for their loved ones in the event of unforeseen circumstances, particularly if your profession or recreational activities increase your susceptibility to illness, injury, or other risks. Whether you’re a roofer or involved in other high-risk endeavors, investing in life insurance, critical illness cover, and income protection offers invaluable peace of mind, safeguarding your family’s financial well-being regardless of what the future holds.
Some of the key areas or activities of your occupation which would be taken in to consideration by underwriters for Roofer life insurance, critical illness cover and income protection:
- Working at heights
- Hazardous or dangerous machinery
- Pre-existing medical conditions
- Health
Your cover and premiums will vary for life insurance for roofers, critical illness cover or income protection as a roofer depending on the information that you provide on your application forms and you must make sure that you answer all questions honestly and accurately.
Types of Roofing work:
- Shinglers
- Hot roofers
- Industrial or commercial
- Metal roofers
The type of roofer you are will also determine whether you will pay more for your life insurance, critical illness cover or income protection based on which type of work you do and where you work.
Roofer life insurance
It should be fairly easy to get a Roofer life insurance policy in place and the premiums that you pay can be the same as what someone with no occupational hazards would pay in a lot of cases. Your premiums can vary from one insurance provider to another so it is also important to speak to a specialist like Sports Financial who has experience in dealing with Roofer life insurance so that they understand your circumstances and the underwriting rules applied to your situation.
There are a number of critical points which would be factored in when underwriters are assessing a new application for Roofer life insurance, including:
- What heights do you go to for your job (e.g. domestic or commercial)
- How often do you work at heights (e.g. daily, weekly, monthly etc.)
- Do you work with hazardous materials
- Do you have any other health or medical issues
Some of the standard and usual factors which will also determine the premiums you will pay for Roofer life insurance are:
- How much cover you need (£’s)
- Length of cover (years)
- Type of policy
To learn more about life insurance or to receive a competitive quote, reach out to our team of experts today at 0345 565 0935.
Get a no-obligation quoteWhat is critical illness for roofers?
You can also quite easily get a policy for Roofer critical illness cover to protect yourself if you were to be diagnosed with a serious illness. Premiums can also range from standard rates for Roofer critical illness cover which is the same rates as someone who does not have any occupational risks to consider. You will find that your application will ask for information about your occupation, especially those working at heights regularly, and you will be asked to disclose information about your medical history and health.
If you already have a Roofer critical illness cover policy in place then you should be aware that you can review this at any time as we may be able to reduce your premiums depending on your current circumstances.
What is income protection for roofers?
There are some possible additional issues for Roofer income protection due to the potential risks relating to your occupation and this type of policy. In a lot of cases there should not be an issue in getting a Roofer income protection policy in place so you should certainly consider this if you do not already have cover. Underwriters will consider your role and your daily activities to assess the levels of risk relating to you and Roofer income protection to apply any premium loadings or exclusions.
Roofer life insurance, critical illness cover and income protection
If you need help to get a competitive quote for Roofer life insurance, critical illness cover and income protection to protect your family or home then you should contact one of our expert advisers today.