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.
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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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