Dangerous Jobs

Dangerous jobs and life insurance

If your job is deemed dangerous by an insurer, this may affect your protection policy.

Examples of hazardous occupations

Jobs are considered dangerous if there is an increased likelihood of death when compared with the average profession. This includes the Armed Forces and working outside at heights over 15 metres. Firefighters and police officers are also often in this category as evidence shows that there are associated health risks and increased fatalities.

How does this affect your life cover?

If you have a hazardous occupation, you must disclose this when applying for life insurance, otherwise you risk invalidating your policy. You may need to provide further details about your duties so the insurer can assess the level of risk. Your premiums might be more expensive if the insurer decides there is a higher chance that they will need to make a payout.

Get in touch

If you are unable to get standard life insurance, you may be able to get specialist cover with the help of a professional adviser. It’s important to consider if you also need critical illness cover or income protection due to the nature of your job. We will explain your options so you can make an informed decision.

As with all insurance policies, conditions and exclusions will apply.

Source: https://www.legalandgeneral.com/insurance/life-insurance/lifestyle/dangerous-jobs/