For anything that involves an element of risk or a certain level of danger then there will generally be a difference between how insurance providers assess that risk. Each life insurance provider has their own set of underwriting rules (criteria) for risks such as hazardous / dangerous occupations, extreme sports or pre-existing medical conditions, which also changes regularly.
Our team of life insurance experts at The Insurance Surgery have many years of experience in dealing with people who are classed as high risk by life insurance providers. We aim to find you the best possible cover to protect you, your family and your business as well as save you money.
You may have been declined life insurance in the past because of your occupation however this does not mean that you cannot get cover. Insurance providers assess risk very differently and therefore some may be good for your particular dangerous occupation with life insurance whilst others may not.