Offshore Workers Life Insurance
People working offshore looking for life insurance will generally be classed as higher risk due to the nature of work in this type of industry.
There are a vast number of different types of offshore work which are all different levels of risk as far as life insurance underwriters are concerned. Some of the main offshore working risks for life insurance include deep sea diving / commercial diving, engineers, fishermen and Machinery Operators.

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How It Works
Life Insurance for Offshore Workers will depend on a number of key factors which will be assessed by underwriters, such as:
- Type of industry (e.g. Oil, Gas, Navy, Fishing etc.)
- Job role / title
- Percentage of occupation classed as high risk
- Equipment / machinery used
- Qualifications held
The Insurance Surgery specialises in helping people with high risk occupations such as Offshore Workers to find life insurance, critical illness cover and income protection. Since 1999 we have helped thousands of individuals, families and businesses to get the best cover to protect their financial future in the event of loss, accident or illness.
Offshore Workers Life Insurance
Life insurance for offshore workers will depend on the level of risk involved with your particular role and the industry that you work in. There is a vast difference between some of the low risk offshore occupations (e.g. administration, management staff or cooks) to some of the high risk occupations (e.g. divers, engineers, helicopter pilots or medics). Our experience shows us that some offshore workers life insurance applications will be accepted at standard rates, especially for low risk jobs.
If your job role is classed as high risk or higher risk for offshore working life insurance then you may find that there is an increase to the premium that you will pay. Life insurance for offshore workers is underwritten based on the levels of risk involved which can be very high in certain roles and industries. Where jobs are classed as high risk for offshore workers for life insurance then we will need to research the market to find the best insurance provider for you and we do all of that work for you.
You may also have been declined life insurance because of the fact that you work offshore and the type of job that you have. This does not necessarily mean that you cannot get life insurance for offshore work as it may be that the previous application was simply to the wrong insurance provider.
Offshore critical illness cover
People who work offshore looking for critical illness cover will generally find that cover is available, however some exclusions may apply depending on the level of risk involved with your role.
Critical illness cover for offshore workers will usually only come with occupational exclusions where the risks are higher such as commercial diving, engineers, machine operators etc.
If your role is an administration or managerial role then you should find that your critical illness cover will be accepted at standard rates without exclusions.
Some occupations for offshore working critical illness cover may mean that you have previously been declined by other insurance providers, however this does not mean that you are uninsurable. If you have been declined for critical illness cover in the past because of your offshore occupation then you simply need to speak to the right insurance provider.
Offshore Workers income protection
If you are an offshore worker looking for income protection then you will often find that certain occupational exclusions will apply. Due to the fact that income protection underwriting criteria is more strict, you may find that travelling in a helicopter would be excluded and some other exclusions that specifically apply to working offshore.
About Offshore Working
There are a number of roles that apply to offshore working which include:
- Commercial divers
- Engineers
- Mechanics
- Catering staff
- Medics
- Administration / Managerial staff
- Helicopter Pilots
- Oil Rig staff
- Offshore Medic
We also work with people who are employed across a number of different industries offshore which includes:
- Oil
- Gas
- Fishing
- Wind
- Communications
- Exploration
As with any hazardous or dangerous occupations, the levels of risks will be taken in to account when assessing your life insurance, critical illness cover or income protection applications. Due to the nature of some roles in the offshore industry and the factors which add to the risks, such as adverse weather, equipment failure or use of explosives then insurance premiums will reflect that.