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High Risk Jobs and Life Insurance
High risk occupation 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, scaffolders, offshore workers or firefighters.
It is unlikely that having a high-risk 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, offshore 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 specialist financial advisor who know the market and who understand your particular circumstances. They will contact you to discuss your requirements and to offer financial advice appropriate to your high risk occupation.
Links related to high risk occupation life insurance
Professional / Commercial Diver?
Visit the Dive Revive website for more details.
For Offshore workers
For more information about The International Marine Contractors Association.
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"As a professional pilot and despite the excellent safety record, I can understand why my life insurance premiums are slightly more than a sedentary worker."