Question 1

Will the premiums go up because of the work I do?

Accepted Answer

99% of the time we can arrange cover on standard terms, meaning there will be no increase in premiums because of your job.

Question 2

Will I be covered whilst at work?

Accepted Answer

Yes, you’ll be covered 100% of the time 24/7/365.

Question 3

Will I be covered travelling to and from the Rig/Installation either by a Helicopter or Vessel?

Accepted Answer

Yes, you’ll be covered 100% of the time regardless of the mode of travel.

Question 4

Can you also arrange cover for my partner?

Accepted Answer

Yes, we can provide cover for partners on the same basis. We’ll just need their DOB, smoker status and how much cover they want and for how long.

Question 5

Will I be covered if I work overseas?

Accepted Answer

Yes, we can arrange cover for people working overseas. There are some location hotspots (such as conflict zones), but that doesn’t mean we can’t get you covered. We’ll just need to ask a few additional questions.

Question 6

Will my children be covered under a critical illness policy?

Accepted Answer

Most policies provide a level of cover for children if diagnosed with a specified critical illness. This is typically £25,000 but could increase to £50,000 depending on the policy and provider.

Question 7

If I take out a policy will be the monthly premiums stay the same or will they increase each year?

Accepted Answer

All life & critical illness policies we arrange are on a guaranteed premium basis, meaning the monthly costs will stay the same for the duration of the policy.

Question 8

Who will get the money if I die?

Accepted Answer

We write all policies in trust meaning if you were to die, the lump sum will pay out to the beneficiaries you have selected, which avoids any potential inheritance tax and usually pays out within 30 days of a claim.

Question 9

Can I arrange the cover over the phone?

Accepted Answer

Yes, we complete all applications over the phone, which usually takes no longer than 15-20 minutes, and subject to standard underwriting you could be covered immediately.

Question 10

I already have a policy, can you review this?

Accepted Answer

Yes, we can. Generally, if you have an older style policy, this may have exclusions or increased premiums because of your occupation. We may be able to replace it, so it has no exclusions or increased premiums.

Question 11

Why is advice important?

Accepted Answer

Our specialist advisers know the market inside out. Your guarantee of value and quality.

Question 12

How much cover do I need?

Accepted Answer

This will depend on you and your family. Talk to us and we’ll work out the right amount.

Question 13

How long do I need cover for?

Accepted Answer

Cover should last as long as support is required. We’ll establish how long that is.

Question 14

What cover is best for me?

Accepted Answer

During the ‘get to know you stage’ we’ll identify and advise you on the right cover at the best price.

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