Occupational Life Insurance

Occupational life insurance covers those working in hazardous industries, with an occupation that may have a higher risk of illness and injury. Dangerous occupations life insurance ensures that your family’s finances are safeguarded should you suffer an injury or die in the workplace. This money can be paid as a lump sum to cover things like your mortgage, funeral costs, education or more.

If you work a dangerous job, it’s important that you apply to an insurance provider who understands the day-to-day risks of your workplace. The quotes and policies on offer can differ hugely from one provider to another, so if you’ve been declined in the past, this doesn’t mean The Insurance Surgery can’t find you cover!

There is a long list of dangerous or hazardous occupations that may cause issues when applying for life insurance due to the risks involved, but some of the main examples include:

• Armed Forces (e.g. Army, Navy or RAF)
• Builders / Construction workers
• Commercial divers (e.g. oil & gas, emergency services etc.)
• Emergency services (e.g. police, fire service, ambulance etc.)
• Engineers
• Offshore workers
• Pilots (e.g. helicopter, private, commercial etc.)
• Professional sports
• Security workers
• Working at heights (e.g. scaffolders, tree surgeons etc.)