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Understanding School Teachers Life Insurance Cover

The question is: Why should a teacher consider life insurance and its associated cover?

This short guide is essential reading if you want to protect your loved ones. Read on to find out more.

Teaching from A Life Insurers Viewpoint

Life insurance for teaching as a profession is typically available at standard rates. Life insurers may consider raising premiums if you are a science teacher working with hazardous materials or a woodwork teacher handling dangerous or heavy machinery. What is essential is to ensure your teaching activities are included as part of your life policy and not excluded. Using a specialist rather than a mainstream life insurer will help.

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How does Life Insurance Cover Work?

The concept of Life Insurance is easy to understand with the following simple steps:

  • Contact a specialist life insurance broker
  • Undertake a telephone fact-finding conversation with a broker
  • Receive a competitive, tailored quote
  • Pay an agreed regular premium over the policy duration
  • Your designated beneficiaries receive a payout should you die

Life Insurance for Teachers in the UK

As a teacher, working and residing in the UK, when should you consider life insurance? Here are some valid reasons:

  • Do you have a financial commitment, such as a mortgage or a car loan?
  • Are you the primary breadwinner of your household?
  • Would your family suffer financial hardship if something was to happen to you?

If your answer is yes to these questions, consider life insurance cover.

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Contact Insurance Hero today for a fast, no-obligation quote. We are specialists in tailored, competitive quotes for teachers and other professional vocations. Contact our team today on 0203 129 88 66

Why Consider Using Insurance Hero

Insurance Hero only wants you to be pay premiums relevant to the teaching that you undertake. Should you be paying the same premium cover as a woodwork or science teacher if you teach geography? 

The premiums may well all be at standard rates. Still, if it is deemed necessary for a teacher handling dangerous chemicals in a lab to pay a slightly higher premium, Insurance Hero will ensure that the level of premium accurately reflects your teaching activities.

Compare UK Life Insurance Quotes with Insurance Hero

At Insurance Hero, we have strong relationships with underwriters who specialise in competitive life insurance quotes for residents here in the UK. Underwriters trust us to provide a thorough fact-finding exercise with you to find out your daily activities. Through precise questions from Insurance Hero and honest answers from you, we aim to get you a watertight policy that will pay out if it is ever needed.

Other Associated Types of Life Cover

Life insurance pays out should you die. Two associate types of life cover that are not dependent on death are income protection and critical illness cover.

Protect your loved ones when you most need it. Read on to find out more.

Income Protection Cover

Do you have a family that is reliant on you financially and who would suffer hardship if you can no longer work? If the answer is yes, consider income protection cover.

Income protection cover works to provide an ongoing salary should you be unable to work for a period due to an illness or accident. Your employer may maintain your salary for a period, but what happens if your absence is long term?

Income protection can pay a regular salary from as little as one month to up to a year after you make a claim. It can mirror your employer’s absence policy.

Critical Illness Cover

Critical illnesses are diseases and emergency medical procedures that once diagnosed, may stop you ever returning to work, or at the very least limit the extent you can work.

This type of life cover works to provide a lump sum if you survive ten days after diagnosis. The lump-sum is agreed at the outset of the fixed term policy and can match your circumstances which may change over time.

Critical illness can consist of level, increasing or decreasing cover, which are all tools to make sure the level of payout reflects your ongoing circumstances.

Level cover:

The cover amount remains unchanged for the duration of the fixed term critical illness policy

Decreasing cover:

The cover amount decreases over the length of the cover. It is useful if you expect financial obligations such as mortgage repayments to fall over the policy duration.

Increasing cover:

The life cover amount rises with inflation as measured by the Consumer Price Index (CPI)

Types of critical illnesses and medical procedures

Diseases covered under a policy list at the outset. An example of standard illnesses included by life insurers include but are not limited to the following:

  • Heart attack
  • Liver failure
  • Kidney failure
  • Parkinson’s disease
  • Traumatic brain injury
  • Structural heart surgery
  • Loss of hand or foot
  • Alzheimer’s disease
  • Stroke
  • Coma

For more information on critical illness cover for teachers, please contact our office today. Insurance Hero has extensive experience helping teachers get tailored income protection cover. Call our office today on 0203 129 88 66