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Fire Service Life Insurance

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

What Is Fire Service life insurance?

The Insurance Surgery is a specialist in helping people that have hazardous occupations such as Fire Service to get life insurance, critical illness cover or income protection. There are some jobs that are classified as dangerous by life insurance underwriters because of the nature of the activities such as working at heights and in dangerous environments which includes the Fire Service.

If you are a member of the fire service looking for life insurance, critical illness cover or income protection to protect your family, home or business then you should talk to an expert who can help you. Anyone wanting to apply for Fire Service Life Insurance, critical illness cover and income protection will find that cover is generally available and can be at the same rate as people without non-standard risks. If you want cover to protect your loved ones or your home then you should be able to get covered with no real need for additional underwriting.

In this area of our Insurance Surgery website we review how an application for Fire Service Life Insurance, critical illness cover or income protection will be assessed by underwriters so that you know how it all works. We are regularly asked by people who have high risk occupations including Fire Service members who need Life Insurance, critical illness cover and income protection to protect their families against loss.

Main risks for Fire Service:

Dangerous environments

Working at heights over 40ft

High risk of injury

Any occupation that involves working at certain heights for a percentage of time or in dangerous environments will often find that there are issues. There can be problems with certain types of policies for Fire Service Life Insurance, critical illness cover or income protection depending on which type of role you have in the fire service.

How Fire Service 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!

If you are applying for Fire Service Life Insurance, critical illness cover and income protection then you should find that there are certain questions that will be asked on your application about your occupation, such as:

Do you work at heights (over 40ft)

How much of your week is spent working at heights

Have you taken time off work recently due to accident or illness

If you need help or advice to get a quote for Fire Service Life Insurance, critical illness cover or income protection then you should contact one of our team of insurance experts on 0345 today.

Fire Service critical illness cover

It is generally not considered to be particularly high risk when applying for Fire Service critical illness cover based on the fact that there are no related risks for illness resulting from this type of occupation.

You should be able to get Fire Service critical illness cover with no need for additional underwriting and the premiums that you pay should be the same as someone with no additional risk factors. Often you will be asked questions about your occupation but this should not be treated differently to a normal application.

Fire Service income protection

It may also be possible in some cases to get a policy to cover for Fire Service income protection based on the levels of risks that can be involved which are potentially high. It is however possible that your situation might be higher risk so you could find that your application for Fire Service income protection could be slightly more specialist.

This means that you could end up with some exclusions on your policy as well as possibly higher premiums in some cases depending on the insurer and their attitude to risk for dangerous occupations.

Fire Service Life Insurance Applications

Often we process applications for people wanting to protect their families who have dangerous or hazardous occupation such as Fire Service Life Insurance. It can be often simple to get cover and in many cases there should be no issues for underwriters.

However there can sometimes be issues if there are certain disclosures on an application form such as working at heights over a certain level or if you have periods of time off work due to sickness or injury.

When applying for straightforward Fire Service Life Insurance you should find that cover is available with no major issues or problems depending on whether there are any other disclosures.

Premiums for Fire Service Life Insurance will be based on:

How much cover you need and what is it for

What term do you need cover for

Which type of Fire Service Life Insurance do you want

Any other associated health conditions such as heart attack or stroke

Associated congenital conditions such as heart disease

Whether you have high blood pressure

Whether you have had surgery for coarctation of the aorta

Whether you smoke

The impact your condition has on your job

If you need guidance to find out which type of Fire Service Life Insurance cover is best to protect your family then you should speak to one of our team of experts to find out more.

Do You Need Life Insurance?

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 Inheritance Tax (IHT) and Life Insurance

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.

For a clearer idea of the average cost of life insurance, visit our Guide.

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.

Monday to Thursday:

9:00am – 8:00pm

Friday:

9:00am – 3:00pm

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.

Does a HIV test affect life insurance?

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.

Does life insurance cover HIV?

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.

Do you offer advice on travel insurance with HIV?

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.

How Can The Insurance Surgery Help?

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.

For More Information, Check Out Our Latest Blogs

Stay informed with the latest updates in the insurance industry for 2025 here.

We aim to provide clear advice, breaking down the jargon, so you understand the importance of protection insurance.

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Fire Service Life Insurance

What Is Fire Service life insurance?

Dangerous environments

Working at heights over 40ft

High risk of injury

How Fire Service Life Insurance, Critical Illness Cover and Income Protection works:

Do you work at heights (over 40ft)

How much of your week is spent working at heights

Have you taken time off work recently due to accident or illness

Fire Service critical illness cover

Fire Service income protection

Fire Service Life Insurance Applications

Life Cover Terminology

Useful Links​

Why Choose The Insurance Surgery?

Rated ‘Excellent’ on Trustpilot.

25 years Experience.

Access to a range of insurers.

Award-winning broker.

Benefit from Our Life Insurance Policies Today.

How Much Does Life Insurance for HIV Cost?

For a clearer idea of the average cost of life insurance, visit our Guide.

Life Insurance with HIV Case Study 1

Total Cover Amount:

£40,000

Monthly Premium Cost:

£22.41

Duration of Policy:

30 years

Life Insurance with HIV Case Study 2

Total Cover Amount:

£160,000

Monthly Premium Cost:

£15.23

Duration of Policy:

20 years

How much cover do you need?

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.

Monday to Thursday:

Friday:

Facts About Life Insurance.

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 beatthe price and also give you a £50 gift card!*

Frequently Asked Questions

For More Information, Check Out Our Latest Blogs

Monday to Thursday:

Friday:

Useful Links

Total Cover
Amount:

Monthly Premium
Cost:

Duration of
Policy:

Total Cover
Amount:

Monthly Premium
Cost:

Duration of
Policy:

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

Life Insurance for Sports & Hobbies

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