Life insurance for speech and language therapists
Speech and language therapists work across the NHS, private practice, and education. Whether employed or self-employed, life insurance is an important part of financial planning — particularly for those with mortgages and families. NHS therapists have some death-in-service cover, but personal supplementary insurance is often needed.
How much does life insurance cost for speech and language therapists?
Speech and language therapists are classed as preferred or standard risk by most UK life insurers. A healthy non-smoking 35-year-old speech and language therapist can typically get £200,000 of level term cover for £12–£22/month.
How much life insurance do speech and language therapists need?
A common starting point is 10 times annual salary, plus enough to cover your outstanding mortgage. Consider your dependants, any outstanding debts, and whether a partner's income alone would cover household costs.
Should speech and language therapists also consider income protection?
Yes — life insurance only pays on death. Income protection covers you if illness or injury prevents you from working while you're alive. For most speech and language therapists, the probability of a long-term illness during your working life is significantly higher than dying. Both products are important parts of a complete financial plan.
Writing your policy in trust
Always consider writing your life insurance in trust. This ensures the payout reaches your beneficiaries quickly without going through probate, and keeps it outside your estate for inheritance tax purposes. It's free to set up.
Frequently Asked Questions
Speech and language therapists are classed as preferred or standard risk by most UK life insurers. For most speech and language therapists, premiums are primarily driven by age, health, and smoking status.
Yes — always disclose your occupation accurately. Some high-risk roles may affect premiums or exclusions.
Most people choose a term that lasts until their mortgage is paid off and their children are financially independent — typically 20–30 years.