Many UK life insurers do not understand occupation-related risks. Chimat has done significant research into life insurance for dangerous jobs UK and found some major insurers that offer excellent quality coverage with a premium not far from that offered to teachers and civil servants.
- Dangerous occupations life insurance premiums are calculated with as little as a 12% premium to other lower risk jobs.
- Critical illness cover and income protection insurance are also available.
- An important consideration for certain professions is their time in the industry and other individual circumstances.
- Get a life cover price from specialist insurers for your hazardous job with an online form.
- Not all insurers will think your occupation is considered dangerous.
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Examples of hazardous occupations life insurance common in 2024
- Working at heights
- Heavy machinery
- Construction worker
- Life policies for electrical contractors and electricians
- Hazardous environments
- Police officer
- Life cover for those working in offshore environments
- Extreme sports instructors
- Heavy lifting jobs
- Life insurance for volunteer and full-time firefighters
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Life Insurance For Dangerous Jobs UK
A higher risk insurance provider has likely spent much time studying the risk factors in many high risk occupations. If a person is in good health, the insurance providers risks involved are much reduced.
For example, if you have an excellent medical history, the risk factors are much reduced.
High Risk Life Insurance And Income Protection Policy
It is important to disclose information that the insurer requires before your high risk life insurance policy is put on risk, as it is essential for your loved ones to have the right cover in place for you.
Click To Compare QuotesIf you get an income protection policy at the same time as your dangerous occupation life cover from the same insurer.
Insurance Occupation Class List UK
Chimat research has concluded that the most comprehensive Occupation Class List is published by Legal & General, which is an excellent guide that can be applied to many other UK based life insurance providers.
Life Insurance For High Risk Dangerous Job
It’s always been true that life insurance premiums are calculated based on your life insurance application. The lowest premiums are offered to people with no health risks.
Term Life Insurance For High Risk
For many people in the most dangerous jobs, term life insurance can offer the best overall value, so the cover is focused on when your financial obligations are the highest.
Whole Life Insurance For High Risk
A life insurance provider may recommend whole life insurance for people with greater risk factors as there are many advantages including tax advantages.
High Risk Life Insurance Policies
The best cover offered by an increased risk insurance company can involve special terms being applied, and if you get life insurance and your job changes to a more risk exposed role it is important you consult them.
It may be the case that higher premiums are necessary to reflect the level of risk.
If you currently have a life policy and they want to charge higher premiums, a price increase is likely to trigger your search for a better insurer at the right price.
Chimat is confident that they have a better panel of insurers that is ideal for people with certain occupations.
Level Term Life Insurance For High Risk
A Level term life insurance policy is ideal for a person who wants the certainty of a fixed monthly premium and is particularly applicable to the self-employed.
Armed Forces Life Insurance Uk
One of the occupations that is problematic for some insurers is military life insurance UK. However, Chimat has some excellent insurers that offer excellent terms to people in the Military. You can read about the UNI Global Union observations about high risk jobs.