Armed Forces Personnel - RAF
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Life Insurance, Critical Illness Cover and Income Protection for Armed Forces Personnel
- Example Occupations: Pilot, Engineer, Intelligence Officer
- Possible Risks: Active combat, explosives handling, hazardous countries, total permanent disability
- Occupational Duties: Manual worker, adminstrator, medical staff
As a member of the Armed Forces RAF, insurance providers will require your application for Life Insurance to detail your specific job tasks, active deployment status now and within six months, and if the policy is to protect a mortgage liability. Insurance providers require this information so that they can fully assess the risk that your occupation presents.
There are a number of providers who will accept Life Insurance applications from members of the RAF with no price increase, commonly referred to as standard terms. Factors such as your own and familial medical history will also play a part in the decision as to whether your case is accepted at standard or special rates.
There is no one insurance provider who is best for RAF Life Insurance and we would suggest speaking with an insurance adviser before placing your application. Your occupation, medical history, BMI and age will all contribute to determining which insurance provider is most likely to accept you at favourable terms. Whilst your application may be accepted at standard terms it is important to understand that your occupation could lead to your policy being heavily rated.
Critical Illness Cover
As a member of the Armed Forces RAF it is sensible to consider how you and your family would remain financially secure should you fall ill with a Critical Illness (work related or otherwise). There is no reason why you should not apply for Critical Illness Cover at the same time that you apply for Life Insurance. There are some insurance providers who will accept your Critical Illness application at standard rates so long as your occupation is not overly hazardous.
RAF Critical Illness Cover can provide you with a lump sum payout should you fall ill with one of up to 59 claimable illnesses. Alternatively Serious Illness contracts can offer you protection should you fall ill with up to 161 illnesses. The illnesses that you are insured for must be diagnosed with a specific severity as determined by the insurance provider and must not have been fully or partially identified before the policy start date.
Income Protection for RAF is available with some select insurance providers. It is likely that any offer of Income Protection you are given will come with a war and terrorism exclusion to the policy. This is due to the associated higher risk of you becoming unable to work over a long-term, as a direct result of your work in the RAF.
Alternatively you may be eligible for short-term Accident, Sickness and Unemployment Insurance which will provide you with a monthly income should you be unable to work, for a period of up to 24 months. You need to be careful of wording under these policies however, as many exclude accidents that happen whilst working abroad.
Please use our free online quotation system to see how much Accident, Sickness and Unemployment Cover you could receive. Redundancy cover for Armed Forces personnel will come with strict claims criteria and we strongly recommend that you speak with one of our insurance advisers before applying for this cover.
Armed Forces RAF offer an eclectic range of occupations that include Aerospace Battle Engineers, Firefighters and Photographers. As such the routine job activities of members of the RAF range from low to high risk depending upon your specific occupation and likelihood of seeing frontline action in the foreseeable future. Members of the RAF who have hazardous roles or are due to see active duty within the next six months are seen as higher risk to insurance providers, and thus might be charged a higher premium than those in lower risk roles.
Should your policy be “loaded” to a higher price directly because of your occupation you can contact your personnel department for a JPA F010 form. This form may allow you to claim back a percentage of your higher premium, but this is not guaranteed and is at the sole discretion of your Employer.
Further Reading and Research
- Armed Forces Life Insurance
- Armed Forces Personnel and Humanitarian Aid
- PruProtect Life and Serious Illness Cover for Armed Forces Personnel
By clicking on the link(s) above you will be departing from the regulatory site of Special Risks Bureau. The Special Risks Bureau (Cura Financial Services) is not responsible for the accuracy of the information contained within the linked site(s).
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