Life Insurance Cover For The Scaffolder 2024

Elaine Brookes Steve Case

Author: Steve Case - Insurance Expert

Reviewed & Fact Checked By: Elaine Brookes

Updated: 14th June 2024

scaffolders life insurance cover

Scaffolders often play a critical role in erecting large residential, commercial, and industrial buildings.

A scaffolder’s main duty is to build a sturdy and safe framework for other workers to complete jobs at extreme heights.

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life insurance for scaffolders

Understanding how insurance companies and insurance agents view scaffolding can often help individuals to secure the coverage they need at a price they can afford.

Insurance providers consider several factors when choosing whether or not to provide coverage to an applicant and what monthly premium they must pay in exchange for that coverage.

Here, we will discuss the factors that will be considered and the options available to those with a scaffolding occupation.

Types Of Cover Available

Policy TypeDescriptionKey Features
Term Life InsuranceCoverage for a specified term. Fixed or decreasing sum assured.Affordable premiums, customisable terms.
Whole of Life InsuranceCoverage for the entirety of the insured’s persons life.Guaranteed payout, estate planning.
Over 50s Life InsuranceGuaranteed acceptance for those aged 50-85.No medical exam, fixed premiums.

The Typical Six-Step Process

1Insurance Hero will research and compare insurance providers on your behalf
2Get quotes and evaluate policy options based on personal and occupational risks.
3Fill out the application form, disclosing all relevant details.
4Undergo any required medical examinations. In many cases, this won’t be required
5Review and finalise the policy terms and premiums with the provider.
6Receive policy documents and ensure all details are accurate and up to date.

Life Insurance Information for Scaffolders

Height is often the main factor that insurance providers consider when reviewing a scaffolder’s life insurance application. Scaffolders who work at lower heights, generally 40 feet and below, can expect to be offered a life insurance policy with standard terms.

Scaffolders working at higher heights, 40 feet and above, may have difficulty securing a policy. An application for scaffolders working at a higher height may need to be taken to an insurance provider specialising in high-risk occupation coverage.

Insurance providers also consider travel if the scaffolder works abroad – this can also play a role in the decision regarding coverage and the calculation of the monthly premium payment.

Currently, several specialised insurance providers are willing to work with those in the scaffolding occupation.

Insurance Hero can help match workers with insurance providers who are willing to offer standard terms for life insurance even when working in a high-risk occupation.

Income Protection Information for Scaffolders

Income protection is also something scaffolders consider, given the higher risk they run of being injured. Income protection is a policy that, should you become critically ill or injured to the point where you cannot work, the policy will pay out to provide financial support for living expenses.

How a scaffolder approaches the definition of this coverage is key. Scaffolders can secure income protection at standard terms when approached with the definition of their own occupation.

Another way to approach income protection is with any occupation or suited occupation definition. While these have advantages, insurance advisors often encourage scaffolders to use their own occupation definition whenever possible.

Applicants will also be given deferment period choices, usually between four and 52 weeks. The deferment period is when the individual stops working and the claim is paid.

When choosing a deferment period, consider your employer’s additional benefits, your current savings, and your total living expenses.

Critical Illness Cover Information for Scaffolders

Companies offering critical illness cover will also want to know the height at which a scaffolder works when considering providing a policy. Those working at lower heights, 40 feet and below, are generally offered critical illness cover at standard terms.

Those working at higher heights may, again, need to take their application to a specialised insurance provider.

Insurance Hero can help you find a critical illness cover provider who will offer you standard terms regardless of the height at which you work. Even if you are working in a self-employed capacity we are confident of securing the best policy for your needs.

Related Questions

Can scaffolders get life insurance?Yes and usually at standard terms. However, higher-risk occupations may affect premiums.
How does working at height impact my insurance?Working at heights over 40 feet may require specialised providers and higher premiums.
What information do I need to provide?Job role, height worked, use of machinery, health status, smoking status, and medical history.
Can I reduce my premiums?Yes, by maintaining a healthy lifestyle, opting for lower coverage, and comparing quotes from multiple providers.