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AERIAL RIGGERS
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AERIAL RIGGERS<br>Life Insurance Experts

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Aerial riggers life insurance

People with certain jobs might have an extra need for life insurance because of the risks connected with their occupation. It’s important to make sure that you’ve got the right cover to protect your family, especially with hazardous jobs like aerial riggers.

Paying the right price for cover is also incredibly important which is where an expert like us can help.

Job definition (aerial rigger)

An aerial rigger is a specialist in the field of erecting equipment that is designed to ‘make humans fly’. This can be within a theatre production, circus, or dance production.

One of the key elements for an aerial rigger is to ensure the health and safety of the performers, artists, and audience.

Aerial riggers will also work with fabricators and equipment specifically developed for the purpose of human flight.

Aerial riggers often work at heights over 40 feet which needs to be taken into account when considering life cover. You should note that most life insurance applications will ask about working at heights especially.

In this article, we look at how to get the best and cheapest life insurance for aerial riggers. We also explain which types of cover might be best for you and your family with the answers to all your questions.

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Does life insurance cover aerial riggers?

Yes – if you have a dangerous job like an aerial rigger, then your life insurance will cover you if you die in work or outside of work.

Your life insurance policy will usually cover you for activities that are classed as higher risk, such as working at heights over 40 feet. Your policy will pay out a cash lump sum to your family if anything happens to you at work or outside of work.

There are a number of different types of aerial riggers jobs, including:

  • Circus technician
  • Aerial dance engineer
  • Outdoor activity technician

Not all life insurance companies will class your job as dangerous so it depends on who you speak to.

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Will income protection payout to aerial riggers?

Yes – if you’re not able to work because of an accident (in or out of work) or sickness, then your income protection policy should payout.

Income protection insurance is arguably one of the most important types of cover for people with certain occupations. You might also be a CIS worker (contractor) for this type of job so it’s important to know that you can still have income protection.

Your income protection policy will usually begin to pay 4 weeks after you are signed-off work by your doctor, however, this can vary. If your sickness or injury is more serious then you’ll normally be able to claim for up to 12 or 24 months.

Some of the main reasons why an aerial rigger might need to claim on income protection:

  • Fall from heights
  • Broken bones
  • Sprains and tendon damage
  • Sickness
  • Back pain

There are many reasons why you might want to take out an income protection policy, such as:

  • Mortgage payments
  • Rent payments
  • School fees
  • Cost of living
  • Utilities

Most income protection providers will allow you to take up to 60% or 80% of your gross monthly income. You will have lots of different options to consider so it’s always advisable to get advice from an expert.

About life insurance for aerial riggers

Here we’ll explain how life insurance works for people who have hazardous occupations such as aerial riggers.

There are a few things to take into consideration so here are the answers to all of your questions.

Can aerial riggers get life insurance?

Yes – there should be absolutely no reason why you should be able to get affordable life insurance as an aerial rigger.

The majority of mainstream life insurance companies will consider an application for people that work at heights. You might also have some other factors to take in to consideration such as working with dangerous equipment or hazardous materials.

You will be asked a number of questions about your occupation when you apply for life insurance.

Some of the questions that you will be asked about your job:

  • Does your job include working outside at heights over 40 feet?
  • How many hours each week do you spend working over 40 feet on average?
  • Do you do any labouring or use heavy machinery?

Your answers will be taken into consideration as part of your life insurance application.

How much is life insurance for aerial riggers?

Your life insurance premiums will be calculated based on several standard factors which will include:

  • Amount of cover (£’s)
  • Term of policy (years)
  • Type of cover
  • Smoker status
  • Your age

This will then show you which insurers will generally be the cheapest for you and then you can figure out which companies offer the lowest premiums for aerial riggers. Some insurers will charge a higher premium for people with high-risk jobs whereas others won’t.

It’s important to speak to an expert who will know which insurers offer the best terms for you and your job.

Best life insurance companies for aerial riggers

You should have a choice from most or all of the top life insurance companies with an occupation like this.

Each life insurance company has its own criteria for pricing and this can also vary dramatically depending on your age. Life insurance quotes from some companies will be considerably cheaper than others which can save you hundreds of £s every year.

Some of the cheapest life insurance companies for aerial riggers from our insurance partners are:

  • Legal & General
  • Royal London
  • AIG
  • Aviva
  • Vitality

Most of these insurers will offer you the best terms for you based on your age and your job.

Best life insurance for aerial riggers

There are also a number of different types of life insurance for you to consider regardless of your occupation. Some of the main policies for you to consider are:

  • Term life insurance (family protection) is the most common type of policy that stays level throughout the term of cover
  • Mortgage life insurance (decreasing term) is slightly cheaper than ‘level term’ cover as it pays out a reducing amount to match your mortgage balance
  • Whole of life insurance is a guaranteed policy as it will always payout on death regardless of when you pass away
  • Family income benefit is a slightly less common type of cover that can be slightly more affordable and extremely useful as it pays out an income rather than a lump sum

Income protection for aerial riggers

It’s important for aerial riggers to make sure that they’ve got the right income protection cover. There are a number of options for this type of policy and the key element is to include an option called ‘own occupation’.

Own occupation income protection basically means that all claims will be based on you being able to do your job. The other option for income protection is ‘any occupation’ which means that your claim will be based on you being able to perform any job tasks.

Another point for you to consider is to make sure that your insurer is aware of your job on your application. You will be asked certain questions about this and you should answer any questions honestly.

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