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Fire Service life insurance

When it comes to occupations, many people consider the fire service to be one of the riskier ones out there. Fireman life insurance would guarantee that your family receives a lump sum payout if the worst were to happen to you. This can help them through the difficult times ahead.

From an insurance underwriting perspective, thankfully, life cover is still readily available with little to no penalty for your occupation. The main goal, therefore, is to find the best cover at the fairest price, which can be daunting with so many aspects to consider – but this is where our team of experts comes in.

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YES – as mentioned above, life insurance for firefighters is available from a wide range of insurance companies depending on a few other factors including your age and general health.

Due to this, the main points to consider are what type of insurance and level of cover you’re looking for as it’s important to find a policy that suits your needs. You could take out level term or decreasing term life insurance depending on your preferences.

It may be the case that firemen are granted a ‘death in service’ benefit as part of their employment package. These types of policy usually pay out a multiple of your yearly salary to your family as a lump sum if you were to pass away on duty.

With all things considered, however, you may realise that this is unlikely to go very far, especially compared to the level of financial support that a full fire service life insurance policy would provide to your loved ones. By comparison, firefighters life insurance could provide a much more substantial payout for comparatively little cost, so the payout far outweighs the monthly premiums.

Is critical illness cover available to firemen?

YES – similar to life insurance, critical illness cover is also available from many different insurers and depends more on your medical history than on your occupation.

Each insurance company is slightly different in which medical conditions they consider to be high risk, so it’s important to understand what is covered and which policy is best for you.

Critical illness cover is designed to pay you a lump sum if you get diagnosed with a serious health condition. Some of the most common critical illness claims are for conditions such as:

The idea behind these policies is to help you pay for day-to-day costs whilst you can’t work for an extended amount of time or are receiving treatment, including:

  • Outgoings such as mortgage, rent, and bills
  • Loss of income
  • Medical treatment or medication
  • Travel costs

Do fire service personnel get income protection?

YES – firefighters income protection is also available from certain insurers and will provide financial support if you get sick or injured, affecting your ability to perform your usual duties for 4 or more weeks.

Income protection pays out a monthly benefit while you can’t work, which is calculated based on a percentage of your gross wage and essentially emulates an income while you’re off work.

You can often reduce the price of your income protection policy by choosing a longer deferment period.

Just like other types of insurance cover, income protection policies are based on your personal health at the time you take out the policy. It will, therefore, consider any pre-existing medical conditions, so it’s important to know what might get excluded in these instances. See our list of medical conditions for more information.

Life insurance for firefighters advice

If you need life insurance, do not assume a high risk job will automatically bar you from receiving great cover. Firefighters work tirelessly saving and protecting others – and deserve to feel protected themselves.

Traditional life cover, income protection or critical illness cover can be extremely beneficial for a fire service worker to put in place. Insurance is the #1 way to have peace of mind, knowing yourself and your loved ones will receive support in a difficult time.

Speak to one of our team for a FREE quote and EXPERT advice. We have over 20 years of life insurance expertise and are always here to help.

USEFUL RESOURCES

Finder.com – Life insurance statistics

Statista – Life insurance industry in the United Kingdom (UK)

iam|INSURED – Frequently asked life insurance questions

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