Can I get Life Insurance on standard rates if I fly light aircraft? Light aircraft Light aircraft is defined as an aircraft which has a maximum gross takeoff weight of 12,500 lb (5,670 kg) or less.* This type of aircraft are used commercially, for passengers and to transport freight – also for sightseeing and photography trips, and other personal uses….
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Can I get Income Protection if I have a manual job? What is income protection? Income Protection Insurance could provide you with a tax-free income, and continue to pay out until you are able to return to work or retire. It pays out a monthly benefit if you cannot work due to illness or injury. The benefit…
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Income protection for lorry drivers Our client We are often approached by lorry drivers who are looking for protection advice. We were approached by Mr S, a 51-year-old lorry driver who needed advice on arranging life insurance to protect his mortgage. This in itself was simple enough, but he told us that he had additional…
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Income Protection with a High-Risk Occupation Our client contacted us as she had recently become self-employed and was keen to secure Income Protection. This type of cover safeguards you and your family’s financial well-being, should sickness or injury prevent you from working for an extended period of time. Income Protection was a priority for our client…
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Life insurance for Microlight Pilots Overview – what is a Microlight? A microlight is an aeroplane, capable of flight in the same way as any other. However, it is restricted to 2 seats and must weigh around 265kg at most, plus it must be able to fly at low speed. Life insurance premiums for pilots…
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I’m an Army reservist and they wanted to double my premium Our client We were approached by a client who needed life insurance. He wanted to make sure that if he passed away, both his mortgages could be paid off. He was certain that the mortgages would be paid off by the time he retired,…
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Life Insurance for Deep Sea Fishermen Michael’s Story – The Deep Sea Fisherman Our client We were called by Michael who wanted to arrange a new life insurance policy over a longer-term. We chatted through the personal information we knew any insurer would require, including details of his medical background, lifestyle and his occupation. He worked as…
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Life Insurance for Pilots Our Client We received an interesting enquiry from a client who had recently qualified as a commercial airline pilot. He called as he had some life cover already in place, £73,500 over a remaining term of 13 years. However, he was paying an increased premium also known as a ‘loading’. He…
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Can I get life insurance if I work in a dangerous occupation? Our client We were approached by Mr D, a 46-year-old gentleman, who was looking for some life insurance. However, in his own words, he “wasn’t putting much effort” into his search due to his incredibly high-risk occupation. He was finding it very difficult…
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Is arranging life insurance possible whilst on active army duties? Our client We were recently approached by a Mr G who is a member of the Army on active duty. He was looking to protect his mortgage with life and critical illness cover and had recently been declined by an insurer because his unit was…
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Life Insurance for Helicopter Pilots Our Client Mr D, a 50-year-old man and his wife have recently been approved for their new interest-only mortgage. Mr D felt it was important to take out the right level of protection so that in the event of either Mr or Mrs’s deaths, the surviving spouse could pay off…
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Is income protection available if I have a high-risk occupation? Our client Our client was referred to us by his wealth adviser because he wanted to arrange income protection, critical illness and life cover. His main concern was ensuring his mortgage was covered if he was critically ill or if he were to pass away….
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