Life Insurance For Tradesmen
- £200k cover for less than £6 a month*
- Your premiums will never increase
- Awarded ‘Best Life Insurance Provider’ by YourMoney.com 2023
Life insurance for tradesmen
When you work as a tradesman, your job can be demanding. You’re often in hazardous situations and can sometimes be dealing with hazardous materials, depending on the nature of your work. You may also work for yourself. If you’re a tradesman and have children, a mortgage, a partner or debt, life insurance can protect your family financially if you pass away.
Does life insurance cover tradesmen?
Life insurance does cover tradesmen. If you were to pass away following an accident at work or outside your job, your family would be able to claim on your life insurance policy.
If your job is viewed as dangerous, it can be harder to get life insurance. Whilst being a tradesmen can be hazardous and pose a risk of injury if you’re working at height (over 12m) or dealing with hazardous materials, it shouldn’t affect your chances of getting life insurance. When you apply for a tailored life insurance policy with us at Beagle Street, we’ll ask you about your job to understand the level of risk.
What life insurance is best for tradesmen?
The right policy for you will depend on your unique circumstances and what you want to protect. Most people tend to think about life insurance when they buy a home or have kids. If you have a partner that relies on you financially, you may also want to consider life insurance.
When you apply for life insurance with us, we will help you find a tailored insurance policy that works for you and your family.
How much does life insurance for tradesmen cost?
A number of factors will determine the cost of your life insurance. We will ask you a range of questions about your age, health and wellbeing as well as the type of cover you choose. Each will impact the potential cost of your policy.
Your age – the older you are, generally the higher the cost of your policy. You’re more likely to get a serious medical condition that could impact your health.
The type of cover – level cover can be more expensive than decreasing cover.
The length of cover – this could be for the full term of your mortgage or once your children reach a certain age.
Your health status – being a smoker or heavy drinker can impact the cost of life insurance.
Any pre-existing medical conditions – these include heart attacks, multiple sclerosis, stroke or diabetes.
To apply for life insurance at Beagle Street, you must be over 18 and a UK resident. You will also need to be open and honest about your health and personal circumstances, so we can find the right cover for you.
Do I need specialist life insurance for tradesmen?
At Beagle Street, we don’t provide a specialist life insurance for tradesmen product. Instead we help you build a tailored life insurance policy that works around you and the financial protection you want to put in place for your family. It will consider your job, your age, your health and the type of cover you choose.
Will critical illness cover and payout and cover tradesmen?
Critical illness cover can support you and your family financially by paying out a lump sum if you become unwell with a serious illness such as cancer, multiple sclerosis, musculoskeletal issues or heart attack.
Whether you’re self-employed or work for a bigger company, critical illness cover ensures you have financial protection if you can’t work. It only covers you for the specific conditions listed in your policy, however. If you’re injured or ill with a condition that isn’t listed in your policy, it won’t pay out.
Life insurance and critical illness cover for tradesmen
You can apply online for critical illness cover and life insurance for tradesmen at Beagle Street to give yourself and your family the financial protection you need.
Get a quote today or speak to the team
At Beagle Street we’re here to support you through the application process. If you’re ever unsure about any of the questions in the application, we have a team of experts on hand to help.
or call us
0800 048 0480
Included with every Beagle Street policy
Estate planning kit
Accidental death benefit
Early funeral payout
Amazon gift card^
Free Beagle soft toy^
*Based on a 30 year old non-smoker, £200k decreasing term cover for 20 years
^Available only when purchasing a policy directly through Beagle Street. Within 60 days of paying the 2nd monthly payment, the soft toy will be dispatched. The gift card value varies depending on monthly premium. Within 30 days of paying the 6th monthly payment, you will receive an email to claim your e-gift. Full Terms and Conditions