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Dangerous occupations life insurance

People with dangerous occupations understand the need for life insurance to protect their families.

It is important to make sure that your loved ones have the right cover in place to protect them if anything happens to you. Taking out life insurance can give you peace of mind against financial instability.

Your family will receive a cash lump sum if you die either at work or outside of work.

There are hundreds or even thousands of occupations that can be classed as higher risk than other occupations. Some of the most common types of dangerous jobs include:

  • Armed forces
  • Emergency services
  • Offshore workers
  • Aviation
  • Construction
  • Professional sports
  • Working at heights
  • Dangerous locations

You can SAVE hundreds on your life insurance premiums by speaking to an expert or specialist advisor.

We also have access to one of the biggest panels of insurance partners in the UK to make sure that you get the best cover for less.

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Rated "Excellent" 5 out of 5

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by Elizabeth Turner-Long - 9th August 2023

YES – if you die while you are at work or because of your job then your life insurance will pay out a lump sum to your dependents.

There are risks connected to some dangerous jobs that could result in accidental death or serious health problems. If you suffer a fatal injury at work or as a result of your job then your family will receive a lump sum from your life cover.

Some of the risks with dangerous jobs can include:

  • Working at heights (danger of falling)
  • Dangerous locations (areas of conflict or war)
  • Armed forces
  • Security services
  • Hazardous materials
  • Dangerous equipment

Will critical illness cover payout for dangerous occupations?

YES – there are a number of different risks that come with certain occupations where a critical illness cover policy might payout.

Some of the main events that can be covered under critical illness cover will include:

  • Loss of limbs
  • Loss of hearing
  • Loss of sight
  • Permanent disability

About life insurance with a dangerous occupation

Can I get life insurance with a dangerous occupation?

YES – there are companies that specialise in offering life insurance for people with high-risk occupations.

When you apply for life insurance you will be asked a number of questions about your occupation. It is a standard part of most life cover applications that you will need to disclose information about your job.

Some of the most common occupational questions are:

Does your job involve any of these duties or working in these environments?

  • Working outside at heights over 40ft (12 metres)
  • Aviation (not including fare-paying passengers)
  • Labouring with heavy-duty material
  • Diving
  • Fishing industry or merchant marine
  • Oil or gas industry
  • Armed forces (or reserves)
  • Mining, tunnelling or quarrying

What percentage of your job and work duties include the following?

  • Heavy-duty manual work
  • Light manual work
  • Supervisory or management
  • Administrative

How many business miles do you do on average each year?

How many hours each week do you spend working at heights over 12m?

How much is life insurance with a dangerous occupation?

Your life insurance premiums will vary dramatically depending on your age and the insurance company you apply with.

There are a number of ways that you can reduce your premiums and save money so you pay a fair price. It is especially important to get the right price for cover if you have a dangerous occupation, pre-existing medical condition, or hazardous sports.

Some of the standard elements that will determine how much you will pay for life insurance include:

  • Your age
  • Amount of cover (£’s)
  • Term of policy (years)
  • Smoker status

Cheap life insurance for dangerous occupation

You can save a considerable amount of money each month on your life insurance premiums by following some simple steps.

Some of the best ways that you can save money on your premiums are:

  • Get expert advice: a specialist advisor will be able to save you money by using their experience to find you the best rates
  • Occupations insurance providers: some insurers are better than others for certain risks and occupations which is where an expert can help you
  • Smoking: if you’re currently a smoker then giving up smoking can save you up to 50% on your life cover
  • Height and weight: people who are classed as overweight might be charged extra with some insurers. If you’re dieting then you could reduce your premiums as you lose weight

A to Z of dangerous occupations

Here are some of the most common dangerous occupations that we deal with and can help you with.


Abattoir workers

Aerial riggers

Animal trainers

Armed forces

Army (armed forces)








Commercial divers

Construction workers

Courier (car or bike)



Diving instructor









Flying instructors

Football player

Football coach


Gas and heating engineers

Gas divers

Golfer (professional)


Helicopter pilots

HGV diver










Navy (armed forces)



Oilrig workers

Offshore workers



Personal security

Personal trainers




Prison workers

Professional sports


Quarry worker


RAF (armed forces)



Security guards



Taxi drivers


Tennis player (professional)

Test pilots


Tree surgeon

Truck drivers








There are thousands of jobs so if your occupation does not feature on this list then please call 0800 009 6559 for more information.

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