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Life Insurance, Critical Illness Cover and Income Protection for Bricklayers
- Example Occupations: Residential, commercial and industrial construction, mason
- Possible Risks: Working above 40 feet, amputation, equipment safety
- Occupational Duties: Construction and maintenance of walls, buildings, chimney stacks and decorative structures
Life Insurance for bricklayers is available at normal terms with all insurers based within the UK. If you regularly work at heights above 40 feet you will need to detail this to the insurer at the point of application and this may affect the terms offered.
Critical Illness Cover
Critical Illness Insurance for bricklayers is often accepted at standard rates with insurers. Working at significant heights will need to be detailed on your application to the insurer, so that they can fully assess the potential risks of your occupation.
Income Protection for bricklayers can be placed with a few insurance providers within the UK. You should ensure that your application is submitted with an own occupation definition, which will mean that any claim you make will be assessed on your ability to work as a bricklayer. You can have Income Protection policies that will assess your claim based upon your ability to do similar jobs or any job at all (suited occupation and any occupation, respectively). However these are more difficult to secure a successful claim with and you should aim for a policy with an own occupation definition.
Bricklayers Income Protection policies are available with deferment periods of 1 day, 1 week, 4 weeks, 8 weeks, 13 weeks, 26 weeks and 52 weeks. This simply means the amount of time that you must wait from the point of being unable to work, before the benefit claim is paid to you. Factors such as savings, employment benefits and your budget for the policy will help determine which of these deferments is most suited to your needs. Our financial advisers regularly help clients explore the best options for Income Protection based upon these factors, so please feel free to call us on 0800 567 7450 and use our advice.
Bricklayers use a variety of materials to develop structures based upon their clients requirements. A bricklayer must have a high attention to detail to ensure that they read and follow blueprints accurately, building structures that are safe to use and meet specified designs.
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