Emergency Services Life Insurance

Are you one of the more than 200,000 emergency services key workers in the UK? If so, then one of your concerns may be that the risks you face make you ineligible for the cover you need to protect your family.

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Life insurance for emergency services and key workers


Over the last year, the emergency services have shown what a fantastic job they do for the people of Britain. Ambulance staff, fire and rescue workers, and the police have been at the front line of the response to Covid-19, and many routinely put themselves in danger as part of their day-to-day work.

Are you one of the more than 200,000 emergency services workers in the UK? If so, then one of your concerns may be that the risks you face make you ineligible for the cover you need to protect your family.

It’s understandable that you may think you won’t be able to take out life insurance simply because of the work that you do. You may also be worried that, even if you are accepted for cover, the premiums will be prohibitively expensive.

However, as specialist insurance experts, we know that it’s possible to obtain protection for emergency workers at competitive rates. We know that your job doesn’t automatically mean insurance becomes too expensive.


Read on to find out more about:

  • Why your work doesn’t automatically mean you’ll pay more for life insurance, Critical Illness cover, and income protection.
  • Why speaking to an emergency services “specialist” may not be the best thing for you.
  • How our experts can help to find you the right cover at the right price.

Protecting your life, income, and health means you and your family will be financially supported should the worst happen. We can help you get that peace of mind.




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Your job doesn’t automatically mean you’ll pay more for life insurance

If you work for the police, fire and rescue, or for the ambulance service then the theory that “you will pay more for life insurance” may sound logical. You work in a job that has more potential dangers than many, and so it follows that this increased risk will mean a higher cost.

However, insurers don’t work this way. They don’t assume that one job poses more risk than any other, and so won’t simply automatically assume that a police officer, firefighter, or paramedic will pay more for cover.

What insurers do is consider statistical data built up over many years. They will look at their claims record and the occupations of claimants to determine whether people who work in certain occupations do, indeed, make more claims.

Some insurers will determine that, yes, ambulance staff or police officers do tend to make more claims. In these cases, they may therefore price their cover accordingly. 

However, for others, the data and the way they interpret it will show that there is no significant increased risk for people in certain professions.

Every insurer uses a different method for determining the cost of their life insurance, Critical Illness cover, and income protection. So, while some might charge more, others may offer standard terms because they don’t consider certain jobs an additional risk.

It’s worth remembering that your job is just one of many factors an insurer considers when looking at your occupation. The cost of cover is also determined by:

  • Your age
  • Your medical history and whether you have any pre-existing conditions
  • Your family medical history
  • Any sports or hobbies you participate in
  • Whether you smoke
  • How much you drink
  • Your height and weight.

The weighting of these various issues differs from insurer to insurer. So, for some, your occupation will just be one factor among many when it comes to offering terms.


Why using an emergency services insurance “specialist” might not be the best thing for you

If you’ve been thinking about putting protection in place for you and your family, you may have found “specialist” firms offering cover for police officers, fire and rescue workers, or ambulance staff.

Often, these firms are part of a larger organisation and not small, independent, “specialist” firms. So, it’s unlikely that they will deal with you any differently to how any life insurer would treat a new customer.

In truth, using such a “specialist” could have its drawbacks. Often such a firm will only offer cover from one single insurer, meaning you may not be getting the very best price for your cover. Even if they offer combined deals for life insurance, Critical Illness cover, and income protection, they may not be cheaper than buying this protection separately.

Think about shopping at a single supermarket: it may be convenient, and you may get some items cheaper than from shops on the high street, but overall, you may end up paying more for in total than if you had shopped around.


Call us if you’ve been declined for cover or you think you’re paying too much

As we have seen, if you work for the emergency services and you approach the wrong insurer, it’s quite possible that they could decline your application.

This doesn’t mean that you won’t be able to get the cover you need. It simply means that insurer didn’t want to offer terms.

Additionally, if you took out protection some time ago it’s possible that you could be paying more than you need to for your cover. Your insurer may have charged a significant “loading” on your premium to reflect the nature of your work, while other insurers may offer much more competitive terms.

If you have been declined, or you think you’re paying too much, get in touch to find out how we can help.


We can help you to find the right cover at the right price

We specialise in helping people from every profession find the right protection at the right price.

Our online comparison service lets you shop around in minutes without the hassle and stress of speaking to multiple insurers. You simply answer a few simple questions and, within a minute or so, you’ll be able to see quotes from dozens of the UK’s leading insurers.

Seeing all the quotes side by side means you can easily eliminate those insurers who do charge a cost premium for police officers, ambulance workers, and fire and rescue staff. 

At the same time, you’ll be able to see at a glance those companies who do offer competitive terms for the peace of mind you need.

To make things even easier, our list of quotes also details any insurers who were unable to provide a price and any reason they stated why this was the case.

As well as checking the prices, you can also see full details of the policies and the specific benefits that each of them offer. This could be additional Critical Illness cover or a simple cashback reward. 

Once you’ve chosen the right cover for you, you’ll be redirected straight to the relevant insurer so you can buy the cover directly, with no additional fees or hidden charges.

If you’d rather speak to one of our experts – all of whom have wide experience in helping emergency services workers to get the right cover – then please get in touch to find out how we can help you.

We can put together a personal quote, run through the different types of insurance, and recommend insurers that don’t unfairly penalise fire and rescue workers, police officers or paramedics and ambulance staff.

We can also discuss your particular circumstances, the specific nature of your work, and any pre-existing medical conditions or treatment you may have had. 


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