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Life Insurance

Insurance providers will want to know the exact working task requirements of your role, your active deployment status and if the cover is mortgage related, before they will consider your application. The primary concern for the insurance provider is the heightened risk of your death should you be due to see active duty within the next six months.

It is possible to source Life Insurance for Navy personnel at standard terms (no price increase or exclusions). If you have any significant medical history or familial medical history you may still receive a rated premium, even if you are accepted at standard terms with your occupation in the Navy. There is no one specific insurance provider that provides the best terms for Naval Officers as the companies are in constant competition with one another and change their underwriting guidelines regularly.

If your occupation is specifically hazardous then you should be prepared that your policy could be accepted on a scale anywhere from standard terms through to a rather large loading.

Get a Life Insurance Quote

Critical Illness Cover

Whilst you apply for Life Insurance you can also apply for Critical Illness cover too. As a Naval Officer your occupation may have an affect upon the Critical Illnesses that the insurance provider will or will not insure you for. For example, if you are a mine clearance diver you may have “loss of limb” excluded from your policy or not be offered cover at all.

There are specialist providers who will offer you Critical Illness protection at standard rates despite your occupation, but we would strongly recommend that you speak with an insurance adviser before submitting your application. Critical Illness Cover for Navy personnel can insure you for up to 59 illnesses and some Serious Illness contracts provide cover for up to 161 illnesses.

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Income Protection

Income Protection for Navy officers is now available with some insurance providers. In general, any offer of Income Protection will be subject to a war and terrorism exclusion on the policy claims set. This is due to the associated higher risk of you becoming unable to work over a long-term, as a direct result of your duties in the Navy.

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Alternatively you may want to consider 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.

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The Special Risks Bureau often handle enquires for members of the Armed Forces, example occupations are:

  • Chaplaincy
  • Fleet Air Arm (Air Engineer Officer, Air Engineering Technician, Air Traffic Controller Officer, Aircraft Controller, Aircrew Officer Observer/Navigation and Weapons Systems, Aircrew Officer Pilot, Aircrewman, Naval Airman (Aircraft Handler/Survival Equipment))
  • Royal Fleet Auxillary (Assistant Cook, Catering Steward, Deckhand, Deck Officer, Engineer (Marine/Systems), Logistics Supply Officer, Medical Technician, Motorman, Seaman Grade II)
  • Royal Marines (Commando, Bugler, Musician)
  • Submarine Service (Catering Steward, Chef, Communications and Information Systems Specialists, Engineer (Marine/Weapon), Engineering Technician (Marine/Weapon), Logistics Officer, Medical Assistant, Supply Chain Logistician, Warfare Officer, Warfare Specialists (Sensors/Tactical), Writer)
  • Surface Fleet (Air Engineer, Catering Steward Logistician, Chef, Communications Information Systems, Communications Technician, Dental Officer, Engineer (Marine/Weapon), Engineering Technician (Marine/Weapon), Environmental Health Officer, Hydrographic Meterological and Oceanographic Specialist, Hydrographic and Meterological Officer, Logistics Officer, Medical Officer, Mine Clearance Diver, Mine Warfare Specialist, Naval Nursing Officer, Logistics Officer, Radiographer, Seaman Specialist, Supply Chain Logistician, Training Management Officer, Warfare Officer, Writer Logistician)

For more information on specific health conditions, pastimes, occupations and countries please select here:

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Please feel free to call us on 0800 567 7450 and one of our qualified insurance advisers will be happy to assist you.

Summary definition

Armed Forces personnel covers a range of occupations including Air Traffic Controllers, Deckhands and Dental Officers. The routine working tasks of individuals within the Navy varies greatly between career paths and present a broad spectrum of low and high risk occupations. When considering Life Insurance policies you should be aware that any notice to serve in active combat within six months will require your application to be placed with specialist insurance providers.

It is often the case that if you are due to be deployed to active duty within the near future that your Life Insurance will have a higher premium and/or exclusions placed upon the policy, than someone who is not due to see frontline action. If your policy is given such “special rates” due to your occupation it is worthwhile contacting your personnel department for a JPA F010 form, to apply for a rebate on the percentage of this additional premium. This is not guaranteed and is reviewed on a case by case basis.

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.

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