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Contact our specialist team for FREE expert help & advice 0800 083 2829

Bomb Disposal Life Insurance

You may have found it difficult to secure life insurance with a Bombl Disposal position. But rest assured, The Insurance Surgery has over 25 years of experience finding suitable policies for our clients.

What Is Bomb Disposal Life Insurance?

The role of bomb disposal is also referred to as ‘explosive ordnance disposal’. Bomb disposal technicians typically start their careers working in the armed forces. Usually, they have experienced working in war zones. Their job as a bomb disposal technician is to identify and make safe any bomb that they happen to spot in either a war zone or civilian setting. They are also responsible for the disposal of the dangerous device. A bomb disposal technician would typically work to make the following dangerous explosive items safe:

A bomb disposal technician’s role would vary depending on the area of the armed forces they worked in. They would also work with the police to ensure that areas surrounding the unexploded device are safely evacuated. General requirements of a bomb disposal technician’s role include:

The above is only part of a bomb disposal technician’s role. Some technicians work within ammunitions facilities, in which explosives, missiles and other weapons are maintained before being loaded on to armed forces’ aircraft. Roles will always vary depending on the section of the armed forces the individual is working within. Other names for the job include ‘ammunition technical officer’ or ‘ammunition/weapons technician’. Some bomb disposal technicians also work underwater to diffuse unexploded bombs in the sea. In this role, an ability to dive and swim to deeper depths is required. Many bomb disposal technicians within these roles are already highly trained divers.

How Bomb disposal life insurance, critical illness cover and income protection works:

STEP 1
Complete form
STEP 2
Speak to us about your needs
STEP 3
We’ll search the market
STEP 4
We recommend the best product to suit your needs
STEP 5
Tell us when you want it to start!

An insurer will assess the following main conditions for underwriting an application for bomb disposal life insurance:

Your general health and lifestyle

Whether you smoke

Your age

How hazardous and risk-related your occupation is

Medical history

At The Insurance Surgery, we are life insurance specialists who can help you to find cover to suit your needs when you have a dangerous occupation, such as bomb disposal. We can help you to identify the best life insurance providers and cover plans for your needs. Just fill in one of our online forms for your free no-obligation quote for your bomb disposal life insurance.

Bomb disposal critical illness cover

Depending on your circumstances, as with life insurance, critical illness cover could be available to you through some insurers, and even on standard terms. Cover will however depend on the level of risk associated with your occupation.

Typically speaking, many insurers will not give explosives handlers critical illness cover for loss of limbs, and other hazards related to their profession. Always check your policy carefully to ensure it gives you the cover you need. Speak to us at The Insurance Surgery today to ask about critical illness cover and specialist insurers that offer this to bomb disposal technicians.

Bomb disposal income protection

As there is a high level of risk in you being unable to work should you become injured or suffer an accident as a result of your profession, there are many standard insurers that will not offer income protection to bomb disposal technicians.

However, there are a select number of specialist insurers that may offer cover. Many policies may have war and terrorism exclusions.

Bomb Disposal Life Insurance

Due to the high risk nature of a bomb disposal technician’s job, there are several underwriting criteria for bomb disposal life insurance that an insurer will want to assess. As part of the life insurance application process, an insurer may ask you the following questions about your profession:

How much experience/how long you have been a bomb disposal technician

Your age

Your health, fitness and lifestyle

The general duties you carry out in your job and the level of risk involved

Whether you smoke

Whether you have any underlying health conditions such as diabetes or heart disease

The level of stress associated with your role

Whether you are a diving bomb disposal technician working underwater

Whether you have had any previous injury or accident in your role which has left you with health complications

If you have many years of experience within your role and do not have a history that involves an accident or injury, you may be offered cover on standard terms – although this will depend on where you are based in your role and the element of risk involved. It may be the case that you require insurance from a specialist insurer that deals with high-risk professions.

As with any life insurance application, an insurer will also want some more details about your general health and fitness, details of medications you are taking, and notes of any other medical-related complications. They may request to see medical notes from your GP. At The Insurance Surgery, we have helped many people working in bomb disposal find the right insurer offering cover for their needs.

There are a number of additional factors that could affect your bomb disposal life insurance premiums. These are:

Your age

Whether you smoke

Your general health and lifestyle

Family medical history

Whether you smoke

Whether you have any underlying health conditions such as diabetes or heart disease

The level of stress associated with your role

Whether you are a diving bomb disposal technician working underwater

Whether you have had any previous injury or accident in your role which has left you with health complications

Ratings and premiums for bomb disposal life insurance can vary depending on a person’s individual circumstances, the risk involved in their job and the branch of armed forces they work in. Contact us at The Insurance Surgery today so that we can help you approach the right insurance provider for your needs.

If you’re the primary breadwinner or share financial responsibilities, a life insurance policy can help your family maintain their standard of living in the unfortunate event that you’re no longer around to support them.

Life Cover Terminology

Understanding life insurance terminology is essential for policyholders to make informed decisions about their cover, we have broken down the meaning for some of the most used terms.

Useful Links​

At The Insurance Surgery, we are specialist life insurance providers for those who have congenital heart defects like coarctation of the aorta. We can help compare the market to find you the right insurance providers that can meet your needs while understanding the nature of your condition.

Why Choose The Insurance Surgery?

Rated ‘Excellent’ on Trustpilot.

We take pride in the experience that we offer, guaranteeing excellent service at all times.

25 years Experience.

With 25 years of specialist life and protection experience, we can find the perfect policy for you.

Access to a range of insurers.

With a broad selection of partners, we are well-equipped to find the best insurance deals for you.

Award-winning broker.

Known for making insurance simple, The Insurance Surgery is a trusted, award-winning broker.

Benefit from Our Life Insurance Policies Today.

Relax, knowing that your family can receive the financial support that they need after you pass, and trust The Insurance Surgery to guide you through the life insurance process. With 25 years behind us, we are a trusted broker known for our expertise, prioritising transparency, and providing excellent customer service. So, rely on us to ensure you receive the cover you need at a fair and affordable price.

For a life insurance quote, contact us today on 0800 083 2829 to schedule a free consultation and take the first step towards protecting yourself and your loved ones financially.

Understanding how IHT works and the ways to mitigate its impact can help you plan and ensure that your loved ones don’t face unexpected tax bills.  

How Much Does Life Insurance for HIV Cost?

Since the introduction of Highly Active Antiretroviral Therapy (HAART), premiums for those living with HIV have significantly reduced over the last 15 years. The amount you pay each month in policy premiums depends on your specific circumstances. When assessing your application, insurers will take into account factors such as your CD4 count and viral load.

Our experts will help you find the best deal to suit your needs and budget, taking the time to go through the different policies and discuss any concerns you may have.

Life Insurance with HIV Case Study 1

James is 31 years old and was diagnosed with HIV in 2017. He wanted to obtain both life insurance and critical illness cover to support his wife and child should anything happen.

We found James Life Insurance & Critical Illness Cover below:

Total Cover
Amount:

£40,000

Monthly Premium
Cost:

£22.41

Duration of
Policy:

30 years

Life Insurance with HIV Case Study 2

Jean is aged 45 and was diagnosed with HIV in 2011. She is keen to secure level life insurance for her and her partner.

We found Jean the Level Life Insurance below:

Total Cover
Amount:

£160,000

Monthly Premium
Cost:

£15.23

Duration of
Policy:

20 years

How much cover do you need?

You can use our Cover Calculator below to determine how much cover you need. Additionally, you will need to take into consideration the following:

Any outstanding debts

Mortgage/rent

Number of dependants

Take-home pay or income from other sources

Speak to our team of experts for FREE
specialist advice today.

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Facts About Life Insurance.

Life insurance can serve multiple purposes, including income replacement, wealth transfer, estate planning, and business succession. But how does life insurance shape up with the UK population?

7.5 million families

in the UK have no life insurance or critical illness cover.

£40,000

The average life insurance policy in the UK covers only about £40,000.

28%

of UK adults believe life insurance is too expensive.

96.9%

of all protection case claims were paid in 2024

Life insurance is unique – just like you.

Life Insurance for Parents

Life Insurance for Dads

Life Insurance for Sports & Hobbies​

Life Insurance for Self-Employed

Income Protection

Life Insurance for Smokers

Price Promise.

Obtain a cheaper quote elsewhere, we’ll beat
the price and also give you a £50 gift card!*

We are committed to offering unbeatable prices. Our
Price Promise ensures that we will find you the right
cover for your circumstances.

Frequently Asked Questions

Can a person with HIV get life insurance?

Yes, absolutely. Due to the recent changes in life insurance underwriting for HIV, we have seen a number of previous restrictions lifted. We now have access to standard rates and ‘whole of life‘ cover with no term restrictions if you are living with HIV, your viral load is undetectable, and your CD4 count is high.

Similar to other pre-existing medical conditions, if you are HIV positive, you will likely pay higher premiums than someone who isn’t. The exact amount depends on your personal circumstances, which will be assessed when you put forward your application.

If you’ve recently been diagnosed with HIV but already have life insurance, it is well worth reviewing your existing cover, especially if it was obtained several years ago, as it is very likely that some changes could benefit you. 

The Insurance Surgery also offers a free Annual Review service to all our existing / new clients. This means that we constantly make sure that you have the right cover for your ever-changing life and check for any changes in underwriting.

Yes, we do! Use our partner’s Travel Insurance comparison tool to compare over 20 travel insurance quotes, all with your HIV covered, within just a few minutes and only having to input your information once.

Offering free advice, our experts are ready and waiting to offer protection advice on HIV life insurance policies that would best benefit your circumstances. With 25 years of experience, we’re a trusted broker and pride ourselves on making insurance simple.

We understand that finding life insurance can be tricky, especially when you have a pre-existing condition, so why not leave it to us? Give us a call today, and we’ll help you find the ideal policy that suits your needs and matches your budget.

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