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High risk life insurance

Life insurance is extremely important to help protect your family and their financial future, should anything happen to you. It can be even more important for those who are classed as needing high risk life insurance.

There are many reasons why you might be classed as high risk for life cover and the levels of risk can vary dramatically. We’re extremely proud to be the UK’s #1 rated life insurance specialists for those who are in this category.

In this section you’ll find the answers to your questions about high risk life insurance.

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What is high risk life insurance?

You might be classified as needing high risk life insurance if you have certain elements that might be considered ‘non-standard’, especially if these could affect life expectancy. This can include a number of different elements, such as:

Each of these elements will be treated differently and each insurer has their own underwriting criteria for these areas. There are also an endless number of variations and severities for each medical condition, occupation, or activity.

It’s important to get the right advice from an expert who can tell you which insurer is best for you based on your circumstances.

Ultimately, life insurance is extremely important for people who want to protect their loved ones and especially for anyone who is high risk. If anything should happen to you then you want to ensure that your family are financially secure.

Life insurance for high risk jobs

If you work in a high risk job or your job is classed as hazardous, then you might need life insurance for high risk jobs.

There are a number of different areas where a job or occupation might mean you are considered to be a high risk individual, such as:

Life insurance for high risk jobs can also vary dramatically so you might find that the monthly premiums you are offered will be very different between insurance providers.

It’s important to get the right advice from a qualified specialist that understands your needs and who knows which insurers are best for you. It is true to say that some insurance providers are far cheaper than others when it comes to life insurance for high risk jobs.

Some of the key elements for life insurance for high risk jobs are:

  • Working at heights over 40ft
  • Visiting areas of conflict or war
  • Driving more than 15,000 miles per year for your job
  • Flying other than a fare paying passenger
  • Helicopter travel (offshore workers)
  • Deep sea diving

Each job will have different tasks that you might do daily, weekly or monthly, and how often you do certain tasks may also be extremely relevant.

Do I need high risk life insurance?

The simple answer is that if you have a family or mortgage then you should seriously consider taking out life insurance. It is especially important for those who are classed as being higher risk, so you might have other dangers to consider.

There are also some medical conditions, activities or jobs that aren’t considered to be higher risk, so it’s worth checking.

You might think that something that you are going to do or that you do regularly could be classed as high risk life insurance. Some of the most common things that we are asked about that isn’t necessarily high risk are:

  • One-off events (e.g. sky dive, track day etc.)
  • Recreational sports (e.g. winter sports, scuba diving, cycling etc.)
  • Holidays (trips less than 30 days)

You can speak to one of our team of high risk life insurance experts to find out how to get the best and cheapest policies for you circumstances.

Which are the best high risk life insurance companies?

There are many different types and levels of high risk life insurance and so it’s important to get the right cover from the best provider.

It can be very difficult to find the right insurer without the help of an experienced life insurance expert. A specialist will understand which insurers are best for you and will be able to quickly identify:

  • Which insurers are most likely to accept your application
  • How to get the lowest premiums for your medical condition, occupation, or activity
  • Where you are most likely to get cover more quickly

Most insurance companies will accept similar high risk life insurance applications, but the price can vary dramatically from one to another. You might even find that some insurers can charge more than double what others would charge for the same person.

Some insurance companies are also better in certain scenarios such as for pre-existing conditions, high risk occupations and dangerous activities.

The other point that we need to make you aware of is that insurance underwriting criteria will change over time. You might find that you will be offered a price from an insurer which can change significantly over time.

Read more about our life insurance partners – Life Insurance Providers A-Z

How to get affordable high risk life insurance?

There are some simple steps that you can follow when thinking about how to get affordable high risk life insurance.

We understand this particular section of the life insurance space because of over 20 years of working with high risk customers. Experience is key when dealing with people who have specialist requirements and this can help you to save time and money.

5 top tips for how to get affordable high risk life insurance:

1)   Speak to a specialist: an expert in this particular area will understand your circumstances more than most and where to get the lowest rates

2)   Get expert advice: life insurance can be complicated even though the products are fairly simple so it’s best to get expert advice to get the right cover

3)   Shop around: there are a number of major insurance providers who will offer you cover for you so it’s always worth shopping around

4)   Don’t worry if you get declined: if you apply for life insurance with an insurer then you should be able to get cover from another insurer and it won’t affect any future applications

5)   Avoid online companies: you can get cover online however, this isn’t the best option usually for people who are looking for high risk life insurance

What are the best high risk life insurance policies?

There are several main types of high risk life insurance policies and the best for you will be based on your attitude to risk, budgets, and circumstances.

The main types of high risk life insurance policies include:

Some of the key things to consider when you’re looking for the best high risk life insurance policies are:

  • How much cover do you need?
  • Which type of cover do you need?
  • What are you protecting (e.g. house, children, partner, family, etc.)
  • How much can you afford to pay each month?
  • What type of cover is available to you?

There are several things to consider and it’s always best to speak to a high risk life insurance specialist to find the best options at the right price.

Life insurance high risk activities and sports

One of the main areas of expertise for us is helping people who take part in high risk activities and sports to get affordable life cover.

We understand this area of risk more than most because iam|INSURED was built around this particular area of expertise. Our directors take part in a number of high risk activities and sports which is why we know more about this than most.

There are a number of key areas where we specialise and can help you to find the best high risk life insurance activities cover. These include activities groups such as:

People who take part in high risk activities will find that premiums can vary dramatically from one insurer to another. It’s especially important for you to speak to an expert about high risk activities and extreme sports life insurance to get the best rates and deals.

Some of the main things to consider here are:

  • Are you professional or amateur?
  • How often do you do your sport or activity
  • Is your activity or sport dangerous?
  • Do you travel to dangerous locations?
  • Make sure that you give accurate information

You should be able to get affordable high risk life activities insurance cover to protect yourself, your home and your family.

Which lifestyles are classed as high risk life insurance?

There are also several lifestyle factors that are classed as high risk when you apply for life insurance, critical illness cover, or income protection insurance.

Some of the most common lifestyle factors include:

When you apply for life insurance you will be asked a number of questions about your health and lifestyle to assess whether there are any risks.

High risk life insurance brokers

There are a handful of life insurance brokers that specialise in offering expert advice for people who are high risk.

These brokers will usually specialise in helping people to find the cheapest high risk life insurance premiums and the best cover. The difference between a standard life insurance broker and a specialist includes:

  • High risk life insurance providers
  • Expertise and knowledge
  • Better rates and deals
  • Understanding your needs

You can speak to one of our team of high risk life insurance experts who will save you time and money on the best cover. We are specialists in many types of high risk life insurance including life insurance for extreme sports and dangerous hobbies and dangerous occupations.

Useful resources

ACT – Most dangerous jobs in the UK

Injury Lawyers 4 U – UK’s most dangerous sporting activities

Visit England – Extreme sports in England

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