High Risk Occupation Life Insurance

High Risk Jobs and Life Insurance

High risk life insurance requires the attention, knowledge and experience of specialists in providing life insurance for high risk jobs. It is probably self-evident to suggest that office workers are statistically less likely to be seriously injured or killed at work than builders, roofers, offshore workers or firefighters. Those who engage in motor sport, scuba diving, flying private aircraft or rock climbing are more likely to be in danger than ramblers, anglers and chess players.

It is unlikely that having a hazardous occupation would universally exclude you, although some companies may not wish to offer cover.

High risk occupations that need to be considered include miners, pilots, professional sportsmen and sportswomen, steeplejacks, aerial riggers, divers and off-shore riggers.

All it means is that your cover could potentially be on a different basis from the majority of ‘standard’ risk clients. It may mean you will have to pay more for your life insurance cover. It may also mean that you might have to accept lower levels of cover. In some cases the cover offered might have exclusions placed on it.

"I'm an aerial rigger and although I operate only at domestic roofing heights, my life company wanted full details, which is fair enough."

The way QuoteRack works is to submit your information to a number of specialist insurance brokers and financial advisors who know the market and who understand your particular circumstances. They will contact you to discuss your requirements and to offer appropriate financial advice.

You may also be interested to see other QuoteRack categories such as professional footballer car insurance and ex offenders business insurance.

Links related to high risk occupation life insurance

Professional Diver?

Visit the SITA website for more details.

For Offshore workers

For more information about The International Marine Contractors Association.