LIFE INSURANCE FOR ROOFERS
DON'T GET CAUGHT OUT ON HIGH PREMIUMS
We recognise that your career is likely to be perceived as high risk by insurers and for that very reason, insurers are likely to increase your premiums, place exclusions to cover the risk and you may have a hard time trying to obtain life insurance coverage altogether. However, we take a fresh approach to life insurance and we don’t believe you should pay more for working offshore.
WE CAN HELP ARRANGE LIFE, CRITICAL ILLNESS AND INCOME PROTECTION INSURANCE IF YOU ARE:
EMPLOYED
SELF EMPLOYED
LIMITED COMPANY CONTRACTOR
We can also arrange cover for your partner or spouse whether they are working or not.
ARE YOU A ROOFER LOOKING FOR LIFE INSURANCE?
If you are or know a roofer who is looking to obtain, quality, life insurance, look no further than Offshore Specialist Insurance.
We know that in your career as a roofer, you will often work at heights and will use ladders or scaffolding depending on the height which you’re working at, which poses its own individual risks including accidental injury. But the good news is that we help arrange cover Roofers, with no increased premiums. And because we know your industry and understand how your industry works, our premiums are not loaded.
We can help protect your loved ones by offering comprehensive Life and Critical Insurance cover for the roofer professional, so you can make sure they are cared for when you are no longer around.
LIFE INSURANCE FOR ROOFERS
Life Insurance for roofers who work below 40 feet can usually be offered at normal terms with most insurers, but if the normal height worked at is over 40 feet then many insurance companies will increase the cost to cover the additional risk.
However, we help provide life insurance for roofers with no increased premiums, that pays out a tax-free cash sum if you die. Policies are generally designed to help families cope with the financial pressure of losing the household’s main earner and there are many different varieties of life cover available to suit an array of different needs.
Cover to last for a defined period or for the rest of your life
Cover that’s just for you, or for you and your partner
Cover that stays at the same level, or increases with inflation
Cover that pays out as a lump sum or as an income
You can set the level of cover you need and for how long, and if you were to die in that period the policy pays out.
LIFE INSURANCE FOR ROOFERS WITH CRITICAL ILLNESS
Life Insurance with Critical Illness cover for roofers is assessed similarly to Life Insurance on its own, many insurance companies will increase the premiums for cover if normal working heights are above 40 feet, however, we don’t believe in this philosophy.
Life Insurance with Critical Illness pays out a tax-free cash lump sum when you are diagnosed with an illness specified in the policy. Critical Illness cover can protect you against a major health crisis and can help with things like care costs, medical bills or even travelling abroad for treatment. It can also cover your financial commitments in the event that you have a major crisis.
Finding the right policy for you and your family is essential, as many factors influence whether a certain plan is right for you. Many people also buy the cheapest cover they can get and then find they can’t claim. But we can help find the best cover for you at the best price, we have specialist advisors on hand to help, just get in touch today.
INCOME PROTECTION INSURANCE FOR ROOFERS
As a roofer, we recommend Income Protection as an essential cover you can buy, as it pays out if you were to fall sick, disabled or unemployed, there are long or short-term cover options available.
Income Protection can cover up to 70% of your pre-tax pay if you are unable to work, making being unable to earn less of a worry when you know your wages are protected. Income Protection pays out until you’re able to start working again, or for the period you choose.
Income Protection for roofers is normally available with an ‘own occupation’ definition, with the right insurers. Which means that if you are unable to work as a roofer due to significant illness or injury then your policy will pay a claim.
To find out more about our life insurance for roofers and other life insurance products for offshore industry workers, contact us today on T: 01224 044045, E: enquiries@candd.uk.com
ARE YOU A LIMITED COMPANY CONTRACTOR?
Did you know your Limited Company can now pay for your life & critical illness premiums as an allowable business expense, which could work out up to 50% cheaper than paying for them personally.
PROVIDE FINANCIAL SECURITY FOR YOUR AND YOUR LOVED ONES
Injured crane operators and victims of accidents involving cranes can, unfortunately, face increasing medical bills and decreased income from lost work time. Luckily, there is high risk life insurance for crane operators that provides financial protection and security for your loved ones, if the worst was to happen.
Just think how far a tax-free cash lump sum would go with your family…