Life Insurance for welders can often be available at normal terms with most insurance providers. Your application will focus more upon your medical history, foreign travel and hazardous pursuits rather than your occupation.
Critical Illness Cover for welders will also typically be available at standard terms with many providers. Insurers generally do not see being a welder as presenting a significant risk of causing a serious condition. Again the insurance provider will focus more upon your health, travel and leisure pursuits than your occupation when assessing your application.
Income Protection for welders can often be secured at normal terms with specific insurance providers. You will want to submit your application on an 'own occupation' basis that will mean that at the point of claim you will be assessed on your ability to be a welder. A 'suited occupation' or 'any occupation' definition will result in any claim that you place being assessed on your ability to perform any like job or any job at all. This means that the policy will be harder to claim on as the insurer could say that you are still able to do a job other than you own. Our insurance advisers are able to help you determine which insurance provider is the best option for you by reviewing in combination your occupational, health, travel and leisure pursuits.
Income Protection policies come with deferment periods of 1 day, 1 week, 4 weeks, 8 weeks, 13 weeks, 26 weeks and 52 weeks. This period is the amount of time that you must wait from the time of your inability to work to the time that the policy will pay out. You should consider any employment benefits that you receive, savings that you have in place and the budget that you can expend to pay for the cover when choosing your deferment period. Our financial advisers regularly help clients explore the best options for Income Protection based upon these factors, so please feel free to call us and use our advice.
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Summary definition
Welders are primarily involved in the cutting, shaping and joining of sheet and tube metal. They can be employed in a wide range of industries from manufacturing, construction and even offshore oil and gas industries. A welder needs to have a high concentration ability in order to ensure their own personal safety when using welding equipment, to be constantly vigilant to any hazards that are presenting from the work and so that the finished product meets strict safety guidelines.
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* Please note that accident and sickness cover will likely exclude pre-existing health conditions.
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