Life Insurance for many engineers is likely to be available at normal terms with most insurance providers. The insurer will want to know the industry that you work within and will be particularly interested if your job requires you to work offshore, as part of military operations or at heights. In these circumstances you may need to direct your Life Insurance application to an insurer who looks at these risks favourably.
Critical Illness Insurance for engineers will typically be available at standard terms with many insurers. If you work offshore or perform high risk duties it is possible that the insurance provider may choose to exclude total and permanent disability from the policy claims set. This is a small aspect of the policy cover and should not detract from the many conditions that will be covered by the policy; typically 45 conditions or more.
Income Protection for engineers may be available at normal terms depending upon a number of factors. The insurer will want to know if you are based in the UK, if there is work-related travel abroad, your occupational duties and if you have had any significant period of time off work. You should aim to secure an 'own occupation' Income Protection policy as this will pay a claim if you are unable to perform your job as an engineer. Other definitions of Income Protection, suited or any occupation, are more difficult to place a successful claim on.
Engineers applying for Income Protection will need to choose a deferment on the policy of 1 day, 1 week, 4 weeks, 8 weeks, 13 weeks, 26 weeks or 52 weeks. This period is the amount of time that you must wait before you will receive a claim payout. When you are making your decision as to which of these options to go for you should consider any employment benefits, savings and budget that you have for the cover. Our financial advisers regularly provide advice as to what combination of income protection best suits your individual circumstances.
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Engineers conduct testing, production and maintenance in projects ranging from building analysis and chemical composition, right through to space shuttle design. An engineer can work in any number of industries which can range from low risk roles in an office-based environment to high risk offshore work.
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