Life Insurance for security guards will be accepted at standard terms with most UK insurance providers. Where your occupation takes you abroad for extended periods of time or to hazardous countries then you will need to disclose this to the insurer that you apply to. If this is the case please visit our foreign travel pages to establish if the location you travel to could affect the acceptance terms of your policy application. If you work maritime security in hazardous locations cover can often be available but is likely to be quite expensive, for a quote please contact us.
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Critical Illness Cover
Critical Illness Insurance for UK based security guards should also be accepted at normal terms with most insurers. If you travel to hazardous countries as a part of your job then your application will be assessed primarily upon the locations that you visit.
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Security guards Income Protection applications can be placed at standard terms with a few insurance providers, but it is very important that you apply for an own occupation definition of cover. Select insurers will offer own occupation definitions for security guards, meaning that should you be unable to work as a security guard due to accident or injury your policy will pay a claim. Other definitions available are suited occupation and any occupation which will make a successful claim more difficult to attain, as the criteria for the jobs that you can do before being considered incapable of working are much broader.
Income Protection Insurance come with set deferment periods that allocate the amount of time that you must wait between first being unable to work and then receiving a policy payout. Deferment periods can be selected from 1 day, 1 week, 4 weeks, 8 weeks, 13 weeks, 26 weeks and 52 weeks. The decision as to which deferment period you choose should be based upon your savings, budget for the policy and any employment benefits you receive. Our financial advisers can discuss your options with you and help you determine the best policy terms for your circumstances.
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If you are a bouncer at a nightclub, pub or bar then you will not be able to apply for Income Protection. You can however apply for an Accident, Sickness and Unemployment policy that can provide short-term income protection of between 12 and 24 months. This type of policy will pay a claim should you be unable to work due to accident, injury or involuntary unemployment.
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