Life insurance for an active member of the army:

Obtaining life insurance as an active serving member of the Armed Forces can be affected by your upcoming deployment status, role within the army as well as various personal factors. As an active member of the army obtaining life cover can be slightly more difficult than an average civilian.

When applying for a policy, all of the standard factors will be taken into account. However, based upon your upcoming deployment status your premiums could be increased.

Your premium might also be loaded depending on your occupational role within the Armed Forces. E.g., for those working in bomb disposal, diving and aviation-related roles premiums tend to be higher due to the associated risks. Once your life insurance has been arranged, it will protect you regardless of where you’re deployed and your policy is likely to include at war risks, meaning that if you were to die at war, the cover would still be valid. All other terms of the life insurance will be the same as that of a civilian.

How much will it cost?

Well, it is impossible to say how much an armed forces Life insurance will cost because everyone is an individual and circumstances differ for every individual, however, there are factors that insurers take into consideration when underwriting an individual’s application. The cost of your cover will depend on the level of risk you pose to the insurer, taking into account:

  • Age
  • Smoking status
  • Health/Medical history
  • Type of cover
  • Length of the term (if applicable)
  • Amount of cover (sum assured)

Due to the increased risk of working in the army, your occupation will also be taken into consideration, including your role and likelihood of being deployed.



We would recommend you to talk to one of our advisers for life insurance quotes.
Any quote that your adviser provides you with will take into account your circumstances, your medical history, as well as your budget!
Call 011-3733-4610 – Monday to Thursday from 11.00 to 19.00 and on Friday between 11.00 and 16.00
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