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Some jobs naturally carry more risk than others, placing certain workers in challenging situations daily. From construction sites to open waters

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You may have found it difficult to secure life insurance with a prison service. But rest assured, The Insurance Surgery has over 25 years of experience finding suitable policies for our clients.
The Insurance Surgery is a top insurance specialist for people who are high risk or non-standard because of their occupation such as Prison Service life insurance, critical illness cover and income protection. There is a wide variety of occupations that higher risk because of the type of duties that are involved for people who do these jobs. For people who want Prison Service life insurance, critical illness cover and income protection there are some clear risks involved with this type of job if you need to protect your family or home.
In the majority of cases there will should be no major need for additional underwriting when applying for Prison Service life insurance, critical illness cover and income protection, but you will need to disclose information about the occupation that you have. Underwriters will want to know about your role and what level of hazardous activities that you do during your time at work.
In this section of The Insurance Surgery’s website we consider at how an application for Prison Service life insurance, critical illness cover and income protection will be assessed by underwriters. We regularly deal with enquiries for people looking to provide their families with financial security should something happen to them.
You will find that Prison Service life insurance will be available from the majority of the top insurance companies and rates will vary from standard rates to possible increased premiums depending on your role. The Insurance Surgery often looks after people with high risk occupations who want to protect their families and pay less for cover including Prison Service life insurance which can be considerably higher risk.
You will be required to provide information about your job to find out how high risk you are and whether you could attract an increase in premiums.
Premiums for Prison Service life insurance will be based on:
If you want to apply for Prison Service life insurance, critical illness cover and income protection then you will find that underwriters will want to know about your job to see what potential risks are involved, including:
If is also very possible to get a policy for Prison Service critical illness cover in the majority of cases where there are no other medical or health disclosures. It may be that you are higher risk because of your job or something else and you may need to pay slightly more for your Prison Service critical illness cover policy however this can vary from one insurance provider to another.
You may also find that there will be certain possible exclusions applied to your policy which can include total and permanent disability.
It is also very possible to get an income protection policy to provide cover if you are unable to work due to long term sickness or injury. It could be more difficult to get this type of cover due to the tasks involved with this type of occupation and the increased risks of injury.
Working in dangerous environments
Using potentially hazardous tools or equipment
Risk of injury or accident
Jobs that can be viewed as hazardous generally have similar potential issues from an underwriting view which will incur different costs depending on the element of risk. There are several possible outcomes when applying for cover such as Prison Service life insurance, critical illness cover and income protection which will depend on your individual situation. When you apply for a dangerous occupations policy you will go through the same process as anyone who is classed as standard apart from disclosure of additional information.
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.
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.
We take pride in the experience that we offer, guaranteeing excellent service at all times.
With 25 years of specialist life and protection experience, we can find the perfect policy for you.
With a broad selection of partners, we are well-equipped to find the best insurance deals for you.
Known for making insurance simple, The Insurance Surgery is a trusted, award-winning broker.
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.
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.
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.
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:
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:
We are committed to offering unbeatable prices. Our
Price Promise ensures that we will find you the right
cover for your circumstances.
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.
Stay informed with the latest updates in the insurance industry for 2025 here.
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