Life Insurance for Scaffolders

Life Insurance

Insurers may request specific details when working at heights to determine life insurance options. It’s crucial to follow strict safety protocols during work, especially when working at heights, as any mishap can have serious consequences.

To determine the appropriate life insurance for you, we will inquire about:

1. What is the typical height you work at?
2. What is the maximum height that is allowed for work?
3. What percentage of your work week is dedicated to working at heights?

Scaffolders working at heights under 40 feet (12 meters) can typically secure life insurance at standard rates. There will be no price increases or exclusions.

When working in a higher-risk job, it is crucial to choose an insurer that accepts your occupation.

Critical Illness

During the critical illness insurance application process, your occupation will be inquired about. For a scaffolder, questions may involve the heights worked at and the possibility of traveling abroad for the job.

If your usual work is at 40 feet or less, insurers will typically evaluate critical illness cover at standard rates. For heights like this, it’s important to be selective with your insurer to secure the best rate for critical illness coverage.

Income Protection

Income protection for scaffolders may be offered by certain insurers. Significant variations in the costs of income protection can be observed when applying with different insurers. Certain insurers offer competitive rates tailored for blue collar workers.

When applying for income protection, the insurer will request information on any medical conditions or injuries that have affected your ability to work in recent years.