Life Insurance and Income Protection for Miners
As a miner, your career is classed as high-risk, with elevated levels of danger accompanying your everyday duties compared to other occupations and industries. For underground miners, this can mean respiratory health problems and collapsing tunnels, with surface miners also facing the possibility of environmental hazards. A lot of people assume that this means miners cannot enjoy life insurance and income protection insurance like everyone else. However, this is not true and there is insurance coverage available to help underground miners and surface miners be prepared for the future. Whether you are an underground miner or an open-cut miner, we will help you find the insurance options best suited to your needs.
The normal process for most types of insurance is assessing you to make sure that you are insurable. For underground and surface miners, this means examining the work that you carry out in your role on a daily basis. For example, there may be different insurance premiums offered for underground miners that open up passageways than surface miners who operate mining machinery. Yet, this does not mean that you should jump to conclusions and assume that just because your role is high-risk that you will not be eligible for life insurance and income protection.