Most dads need life insurance to secure the financial…
Yes, scaffolders can get life insurance. The reason for being declined a policy may not be due to your occupation but other factors such as your health, smoking status and medical history.
Although, being in a high-risk job can affect your application and the cost of your life insurance premiums depending on the level of risk involved.
Regularly, scaffolders who work on building projects and other construction sites (at a standard height), can secure life insurance at the standard rate.
During the application process you may be asked how often you work at height, what heights you work at and your role (daily tasks) as a scaffolder.
Here at Reassured, our specialist impaired risk team could help you secure a policy at an affordable price if previously been declined or if you are a high-risk applicant.
We also compare quotes from a panel of mainstream insurers, with prices starting from 20p-a-day for standard applicants † .
In this guide:
Continue reading to find out more information on securing a life insurance policy as a scaffolder…
Yes, it is important to have life insurance regardless of your occupation.
Having life insurance can reassure you for the future that your loved ones are protected if the worst were to happen.
Especially as scaffolders tend to run a risk every day at work by working from heights and using dangerous machinery and equipment.
If you’re the breadwinner of your household or have other dependants, making sure you have a life insurance policy in place can protect your assets and loved ones, giving you peace of mind.
Worried about being declined? Even if you have been declined in the past because of being considered a high-risk individual, does not mean there isn’t a policy available to you now.
By comparing quotes you could find a suitable and affordable policy for you. We help individuals from all walks of life, so why not get in contact with one of our professionals at Reassured today to find yours?
Why not look into how much cover you may need with our life insurance calculator. Simply enter your financial circumstances:
Yes, when applying for a life insurance policy it is vital that you disclose all information required correctly.
If you aren’t honest about your occupation or fail to include it during the application process, then this will invalidate your policy. As a result, the insurer may refuse to pay out any current or future claims, due to the misrepresentation or non-disclosure.
If you weren’t a scaffolder when opening your existing policy, and now you are (if your circumstances change) then you should get in contact and update your insurer.
Don’t worry, it may not necessarily change your premium cost but it is worth making sure your policy is up to date with the correct information.
Yes, due to factors like working from high platforms and using dangerous and heavy equipment there is a higher chance of accidents or fatalities.
Being high-risk means you are more likely to make a claim on your life insurance policy by being involved with a dangerous job or hobby.
A key part of being a scaffolder is working from height. Falling from heights is currently one of the main reasons for death at work. Not only do scaffolders work from heights but they can also use heavy machinery and materials.
Of all the fatalities analysed from 2017 to 2022, 25% of them were attributed to falling from a height. With 16% being from materials or fast-moving machinery falling and 13% were as a result of tragically being trapped beneath collapsing structures, tools or machinery.
Not all scaffolders will carry out activities that are considered high-risk, which means it’s still possible for scaffolders to get life insurance at the standard rate (this means you won’t be charged a higher premium due to your job).
When applying for a policy as a scaffolder, you are typically asked about the following:
Insurers will also ask the standard questions about:
Will I have to pay more? It’s possible that you’ll have to pay more for life insurance depending on your specific job role.
If an insurer considers your job as high-risk they may increase the cost of your life insurance premium. This is because the risk of a claim is higher and they are more likely to pay out.
Other factors considered by insurers that can affect the price of your premium, as well as a high-risk job, include:
The price paid for premiums will also be based on; how much cover you need, how long you want cover for and what type of life insurance cover you require.
Comparing quotes can help you save money on your life insurance premiums, as each insurer has a different way of assessing risk.
If you’re a scaffolder and accepted for a policy on standard terms, prices start from just 20p-a-day through Reassured.
Our life insurance comparison service can help you save time and money, so get in touch.
There is not necessarily a ‘best’ life insurance for scaffolders because the best suited policy for you will be down to your own personal circumstances, budget and what you are looking to cover.
However here are some policy options available we believe may be best suited:
When being in a high-risk job where anything could occur in a work day, it is important to feel protected and reassured to know that your loved ones will be looked after if you were to pass away.
Some other policies available to scaffolders that you may want to add on or consider are:
Critical illness cover - A cover that can be added to all term policies for an additional cost when secured through Reassured. When added to life insurance, it can supply a tax-free lump sum if you pass away within the policy term or if you’re diagnosed with a critical illness.
Family income benefit (FIB) - A type of life insurance policy that provides cover for a set period of time. Your loved ones will receive tax-free monthly income payments if you pass away during the policy term.
Income protection - A separate insurance policy that could pay out up to 70% of your usual income if you become too ill or injured to work. Income protection can be essential for scaffolders, builders and construction workers who are self-employed.
Reassured could save you time and money by comparing premiums and finding a great price for you.
Another type of policy available is critical illness cover. This is where a lump sum is provided if you were to be diagnosed with a specified life-changing (but not terminal) illness, covered by your policy.
Typically critical illness refers to a specified serious illness. This can include some types of cancer, heart attack or a stroke. Each insurer will have a list of illnesses that they believe to be critical.
This is something you can add to your life insurance policy for extra reassurance. The tax-free pay out can be used for whatever you deem necessary. For example, it could help towards private medical care or making adaptations to your home.
Scaffolders can take out life insurance with critical illness cover through Reassured.
There may be a time you fall unwell or injured and you may assume that your employer will continue to give you some level of income. However, this may not always be the case, this is why income protection can be organised.
Income protection is a type of insurance policy that secures you with a regular income until you retire or are able to return to work.
The option that’s best for you will depend on your personal circumstances and available budget.
As a scaffolder this could give you piece of mind to know that your essential costs and other financial commitments would have help being covered in the event of an accident.
Available through Reassured Advice.
Many ‘high-risk’ occupants believe that life insurance can be unaffordable, however there are many different policies suitable for many circumstances.
Working from heights and with machinery and equipment, in fact emphasises the importance of protecting loved ones if the worst were to happen.
By exploring your options and comparing quotes, it is highly likely you will be able to secure a suitable and affordable policy, fitting your needs and lifestyle.
At Reassured, our award-winning team can help you, saving time and money. Whether that’s via phone call with an expert or using our online comparison service.
So why not reach out today and get in touch with one of our approachable professionals to see if we can help you arrange a cover to meet your specific needs.
 https://www.hse.gov.uk/foi/fatalities/in-year-names.htm with further analysis of HSE data from https://www.gocompare.com/life-insurance/uk-riskiest-jobs-report/
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