|
|
High Risk Jobs & Dangerous Occupations |
| |
We are insurance specialists and our expertise is in helping people who have a high risk job or hazardous occupation to find life insurance, critical illness insurance and income protection.
We have a wealth of knowledge and experience, and we know which insurers will consider your application. If there is a choice between insurers, we will help you find the insurer who is willing to offer you cover at the cheapest rate.
Our service to you is FREE – we do not charge you a fee for our work, since if we are able to find you insurance, then the insurance company will pay us a commission. Even if you already have life insurance in place, we may be able to find the same cover for you at a cheaper rate.
If you work in a job that is higher risk than normal, you may think that you are going to struggle to find life insurance.
You may have applied to an insurance company and had your application for life insurance or critical illness insurance declined or turned down. Or you may have applied for insurance, and the insurer has offered you cover but at a higher premium. They may be going to charge you extra (or have “loaded” your premiums) because of your job or the nature of your work.
Each insurance company will have a different view on your occupation. They have clear guidelines, or “underwriting criteria”, against which they judge any insurance applications they receive.
|
|
|
|
| Some insurers may decline your life insurance application simply because it is not an area that they wish to provide cover for. Other insurers specialise in offering cover to people with higher risk jobs, and will be happy to consider you and may be able to offer you cover.
Each insurer will judge an application for life insurance or critical illness insurance against their underwriting criteria, and then may either:
accept the application,
charge an extra premium to reflect additional risk,
postpone cover for a while,
or reject the application completely.
We are specialists in knowing which insurance company is most likely to consider your insurance application favourably.
Therefore if you work in a dangerous occupation or hazardous job and you think you can’t get life insurance or if you have been declined insurance … We can help.
We have a proven track record in obtaining insurance for people who have had their life insurance refused or their premiums rated. Please click here for case studies of the type of people we have helped, and click here for testimonials from some of our customers.
We can also help you if you are looking for critical illness insurance, income protection, keyman insurance or mortgage insurance.
Listed below are just some of the occupations and jobs that we can help with for life insurance and critical illness insurance. However even if you cannot see your occupation listed, then please do still get in touch as we cannot include them all. We will give you our honest assessment as to whether you will be able to get insurance.
|
- jobs that involve working at heights of more than 40 feet
- jobs that involve significant business mileage
- jobs working in a hazardous environment
- jobs involving working under ground or under water
- armed forces jobs in the army, navy or air-force / RAF
- motorcycle couriers or bicycle couriers
- jobs in the offshore oil production industry, such as oil rig workers
- jobs in the gas production industry
- airline pilots
- professional sportsman or sportswoman, such as professional footballer
- racing driver or rally driver
- bus drivers, coach drivers, haulage contractors, lorry drivers and HGV drivers
- operators of heavy plant equipment or jobs involving heavy lifting
- professional divers
- jobs in fire-fighting and the police-force, such as fireman or policeman
- jobs in the fishing industry, such as fisherman or trawler work
- journalists, overseas journalists, war journalists
- prison officers, railway track workers, roofers, taxi drivers or cab drivers, window cleaners
- jobs working with explosives
|
If you feel that your own particular circumstances aren’t covered, then please give us a call or request a call back.
|
|
High Risk Jobs FAQs |
|
|
Why have I been turned down or had my life insurance application declined? |
Each insurance company will have clear guidelines against which they judge any life insurance applications they receive. Some insurers will have quite strict guidelines, and so they may not consider an application which another insurer will happily take. Other insurers specialise in certain areas and so if you have been turned down by a number of mainstream insurance companies, we may still be able to get you insurance. We know which is the best insurer to apply to, given your circumstances.
[Return to menu]
|
|
Why am I being charged more than normal for my life insurance? |
In some cases, an insurance company will charge you an extra premium for your life insurance (sometimes called “loading” your premiums). This is because they feel that your occupation makes you a higher risk than normal, and therefore they will charge you extra to reflect that higher risk, or they may decline your application. However not all life insurance companies may assess your case in the same way, and we may be able to find an insurer who is willing to offer you cheaper cover.
[Return to menu]
|
|
Is there any insurer who will offer me life insurance? |
Some insurance companies have very strict guidelines on what type of occupations they are willing to accept. Other life insurers may have a different view. There are also a number of specialist insurers who may be able to consider your life insurance application, even if the more recognisably named insurers will not. We find out which insurers will consider your application and how much they are likely to charge. Unfortunately there may be times when it is not possible to get life insurance cover, but we will give you our honest assessment of your case.
[Return to menu]
|
|
Why am I classed as a Special Risk for life insurance? |
Special Risk groups for insurance purposes are people who, because their occupation or job is considered hazardous or high risk, may not be able to get “standard” life insurance. They are also sometimes referred to as “Non-standard Risks”.
A life insurance company may either charge you an extra premium, or they may decline your life insurance application completely. There are however specialist insurance companies who focus on Special Risk insurance, and so please talk to us and we will help you find an insurer who may be willing to take your application.
[Return to menu]
|
|
Do I have to tell the insurers everything on my life insurance application? |
With life insurance, it is essential that you tell the insurance company everything that they ask – answering each question carefully, truthfully and completely. If you are not sure whether to mention something, then mention it. It is better to give the insurer more information and detail than they need, than to omit something which may cause them not to pay out on your policy when you die. Let the insurance company decide what is important and relevant.
[Return to menu]
|
| |
| |
|
|
|
