Income insurance protects your income if you unexpectedly can’t work due to injury or illness.

It’s an easy way to help protect your financial future, and ensure your lifestyle and family are protected in any event.

Income protection for the Legal sector

Can an Archaeologist get income protection insurance?

Archaeologists are exposed to a low level of risk. Archaeologists excavate and maintain artifacts, and while some of their work pertains to the outdoors, much of their work takes place in safe conditions for studies. Considering the low level of occupational risk involved in the occupation, archaeologists qualify for first-class income protection insurance.

Status: low risk- insurable 

 

Can an Architect get income protection insurance?

Architects are primarily sedentary workers, drawing up plans within an office or studio space. As the occupation is deemed safe and free of major hazards, architects qualify for the highest level of income protection insurance (first-class insurance).

Status: low risk- insurable

Can a Cartographer get income protection insurance?

Cartographers generally work in office and studio spaces, creating maps. Their work is primarily sedentary and research-based. Cartographers, like many sedentary workers, are at risk of incurring ergonomic hazards. However, cartography is deemed low risk and those in the occupation qualify for first-class income protection insurance.

Status: low risk- insurable

Can a Captain (merchant navy) get income protection insurance?

Captains in the merchant navy are exposed to a high level of occupational risk. Working on navy ships presents the risk of drowning and a number of water and weather accidents (vessels capsizing, boats leaking, sinking, etc.). Considering the high level of risk involved in the occupation, captains in the merchant navy do not qualify for income protection insurance.

Status: Declined- uninsurable

Can Clergy get income protection insurance?

Members of the clergy generally work within safe conditions, within religious structures and churches, where there are few occupational hazards. Considering the low level of risk involved in the occupation, members of the clergy qualify for first-class income protection insurance.

Status: low risk- insurable

Can a Compositor get income protection insurance?

Compositors are exposed to a moderate level of risk at work. Compositors face a number of ergonomic hazards like long working hours in uncomfortable positions and are prone to musculoskeletal disorders and chronic pain. Accounting for these risks, compositors qualify for third-class income protection insurance.

Status: Moderate risk- insurable

Can a Fencing Contractor get income protection insurance?

Fencing contractors are exposed to a high level of occupational risk. Working with power tools heightens the risk of injuries like cuts and lacerations. Fencing contractors are also at risk of injury from manual handling of heavy working materials, and breathing issues from inhalation of sawdust. Given the high level of risk involved in the occupation, fencing contractors qualify for fourth-class income protection insurance.

Status: high risk- insurable

Can a Gamekeeper get income protection insurance?

Gamekeepers work at a high level of risk. Working with game presents the possibility of contracting zoonotic diseases. Oftentimes gamekeepers use firearms in their work posing the threat of injuries (potentially fatal). Gamekeepers are also involved in manual handling and care of woodland and farm sites which can be strenuous on their health. To account for the level of risk involved in gamekeeping, those in the profession qualify for fourth-class income protection insurance.

Status: high risk- insurable

Can a Kitchen Designer get income protection insurance?

Kitchen designers work in generally safe sedentary conditions. Much of their work takes place within office or studio space, drawing up plans, where designers are not subjected to hazardous conditions. Given the low level of risk involved in kitchen design, those in the occupation qualify for first-class income protection insurance.

Status: low risk- insurable

Can a Lecturer get income protection insurance?

Lecturers tend to work in safe environments within educational spaces. Their job is low-risk and generally high-income. Since lecturing is deemed a low-risk occupation, those in the profession qualify for first-class income protection insurance.

Status: low risk- insurable

Can Lifeboat Crew get income protection insurance?

Lifeboat crew operates at an extremely high-risk level. Working in dangerous waters on a daily basis, and within precarious situations where others may be harmed means lifeboat crew face a high number of risks, like drowning, crash accidents, broken bones and many more, leading to serious and even fatal injury. Considering the high level of risk involved in the occupation, crew members on lifeboats do not qualify for income protection insurance. 

Status: declined- uninsurable

Can a Lithographic Printer get income protection insurance?

Lithographic printers experience a moderate level of risk at work. Lithographic printers work with a number of hazardous solvents that may cause skin burns, eye damage, and lung problems when inhaled. Considering these risks, lithographic printers qualify for third-class income protection insurance.

Status: moderate risk- insurable

Can a Lorry Driver get income protection insurance?

Lorry drivers are exposed to a high level of occupation risk. Working long hours and operating large vehicles means that lorry drivers are at greater risk of road accidents and more often, fatal accidents. Lorry drivers are also prone to musculoskeletal issues and fatigue. Given this high-risk level, lorry drivers do not qualify for income protection insurance.

Status: declined- uninsurable


Can a Store Detective get income protection insurance?

Store detectives are exposed to a high level of risk. Store detectives can experience violence and harassment from customers. As their role is to prevent shoplifting, store detectives may engage in physical activities like running which can lead to injuries. Considering these risks, store detectives qualify for fourth-class income protection insurance.

Status: high risk- insurable



Can a Student get income protection insurance?

Students do not qualify for income protection insurance as they are not considered employed, while in full-time education, and therefore do not have an income that is insurable.

Status: declined- uninsurable 





Can an Unemployed person get income protection insurance?

An unemployed person does not make an income and therefore does not qualify for income protection insurance.

Status: declined- uninsurable 





Can an Upholsterer get income protection insurance?

Upholsterers are exposed to a moderate level of occupational risk. Working with hot glue means upholsterers are prone to burn injuries. Upholsterers are also at risk from manual handling of heavy equipment, working with dangerous tools, and inhalation of harmful substances. To account for these risks, upholsterers qualify for third-class income protection insurance.

Status: moderate risk- insurable





Can a Warehouse Person get income protection insurance?

A warehouse person is exposed to a high level of risk. A warehouse person may be responsible for operating dangerous machinery which can carry risks and manual handling of heavy materials. To account for these risks, a warehouse person qualifies for fourth-class income protection insurance.

Status: High risk- insurable





Can a Swimming Pool Attendant get income protection insurance?

Swimming pool attendants are surrounded by hazards at work. Working in and around water means swimming pool attendants are more at risk of slip, trip, and fall accidents, as well as drowning incidents. To account for these risks, swimming pool attendants qualify for fourth-class income protection insurance. 

Status: High risk- insurable





Can Ticket Inspectors get income protection insurance?

Ticket inspectors operate at a moderate risk level. As they often work on roads or within moving vehicles like trains and buses, they are exposed to the risk of road accidents, as well as slip, trip, and fall accidents. Accounting for these risks, ticket inspectors qualify for third-class income protection insurance.

Status: Moderate risk- insurable





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