Life Insurance for security guards will be accepted at standard terms with most UK insurance providers. Where your occupation takes you abroad for extended periods of time or to hazardous countries then you will need to disclose this to the insurer that you apply to. If this is the case please visit our foreign travel pages to establish if the location you travel to could affect the acceptance terms of your policy application. If you work maritime security in hazardous locations cover can often be available but is likely to be quite expensive, for a quote please contact us.
Critical Illness Insurance for UK based security guards should also be accepted at normal terms with most insurers. If you travel to hazardous countries as a part of your job then your application will be assessed primarily upon the locations that you visit.
Security guards Income Protection applications can be placed at standard terms with a few insurance providers, but it is very important that you apply for an own occupation definition of cover. Select insurers will offer own occupation definitions for security guards, meaning that should you be unable to work as a security guard due to accident or injury your policy will pay a claim. Other definitions available are suited occupation and any occupation which will make a successful claim more difficult to attain, as the criteria for the jobs that you can do before being considered incapable of working are much broader.
Income Protection Insurance come with set deferment periods that allocate the amount of time that you must wait between first being unable to work and then receiving a policy payout. Deferment periods can be selected from 1 day, 1 week, 4 weeks, 8 weeks, 13 weeks, 26 weeks and 52 weeks. The decision as to which deferment period you choose should be based upon your savings, budget for the policy and any employment benefits you receive. Our financial advisers can discuss your options with you and help you determine the best policy terms for your circumstances.
If you are a bouncer at a nightclub, pub or bar then you will not be able to apply for Income Protection. You can however apply for an Accident, Sickness and Unemployment policy that can provide short-term income protection of between 12 and 24 months. This type of policy will pay a claim should you be unable to work due to accident, injury or involuntary unemployment.
For more information on specific health conditions, pastimes, occupations and countries please select here:
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Please feel free to call us on 0800 567 7450 and one of our qualified insurance advisers will be happy to assist you.
Security guards provide vital protection for their clients, whether they are private civilians, political representatives or business delegates. A security guards utmost duty is to ensure the safety of the client, potentially putting themselves within harms way to ensure that their ward is unharmed.
Other Services Available
You can apply for any of the following services through ourselves
* Please note that accident and sickness cover will likely exclude pre-existing health conditions.
** These services are placed with our selected partners.
Further Reading and Research
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We are specialist high risk insurance advisers who are dedicated to helping everyone get the insurance that they need.
The materials in this website are in no way intended to offer medical advice. Please consult your doctor if you notice medical symptoms or feel ill.
Information regards taxation levels and basis of reliefs are dependent on current legislation, individual circumstances are not guaranteed and may be subject to change.
Special Risks Bureau is a trading style of Cura Financial Services Ltd, which is authorised and regulated by the Financial Conduct Authority.
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The Financial Ombudsman Service is available to sort out individual complaints that clients and financial services businesses aren't able to resolve themselves. To contact the Financial Ombudsman Service please visit www.financial-ombudsman.org.uk.
Cura Financial Services Ltd is Registered in England and Wales, Number 8478749, 2 Station Approach Offices, Filey, North Yorkshire, YO14 9PF