Life insurance for tilers
Professional tilers are skilled tradespeople who typically work on a self-employed or subcontract basis. Without employer sick pay or death-in-service benefits, personal life insurance is the primary financial safety net for families. A straightforward term policy at standard rates provides essential protection at an affordable monthly cost.
How much does life insurance cost for tilers?
Tilers are classed as standard trade risk by most UK life insurers. A healthy non-smoking 35-year-old tiler can typically get £200,000 of level term cover for £12–£22/month.
How much life insurance do tilers 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 tilers 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 tilers, 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
Tilers are classed as standard trade risk by most UK life insurers. For most tilers, 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.