Affordable High Risk Life Insurance

99% of offshore occupations covered with no increased premiums

We Specialise In Providing Life, Critical Illness and Income Protection Insurance For Anyone Working In The Oil and Gas Industry

We understand that obtaining the cover you want can be difficult, as your job may be perceived by insurers as hazardous or high-risk, which brings a whole load of barriers to obtaining life insurance, including: increasing the premiums to cover the risk factor that you bring, place exclusions to cover the risk, or decline your cover altogether.

A Fresh Approach

We understand this difficulty, however, we have specially trained advisers on-hand to understand the work you do and all the potential risks involved. Our extensive industry knowledge allows us to provide 99% of cover with no increased premiums, which makes us stand out from other insurers.

Why Get Advice?


Why is advice important?

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

How much cover do I need?

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

How long do I need cover for?

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

What cover is best for me?

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

We are the only RMT Union Approved Specialist in the whole of the UK with Award Winning advice.

Affordable High-Risk Life Insurance

We understand that your high-risk job in the oil and gas industry can be challenging but rewarding at the same time. We are well-aware of all the sacrifices that you have to make like handling the long work hours, extensive time away from the ones you love and the physically demanding responsibilities that come with the job, it’s not easy. So we want to do everything we can to ensure that protecting your family’s future isn’t as tough, with our affordable high-risk life insurance policies.

Why Our Affordable High-Risk Life Insurance

Our life insurance policies are tailored to suit all high-risk occupations and your individual needs – all with the added benefit of no increased premiums. We offer standard premiums and worldwide coverage, so you can rest easy knowing that you’re fully covered with our affordable high-risk life insurance, wherever you are, no matter what your job is.

Unlike standard brokers, we fully understand that your job is high risk, so we won’t do what they do and increase your premium to cover the risk, place exclusions to cover the risk or decline your cover altogether. Instead, we recognise that getting affordable high-risk life insurance can be difficult, but our specially trained advisors work to find the most suitable cover for you. Our extensive industry knowledge allows us to provide 99% of cover with no increased premiums.

Leave Your Legacy with Affordable High-Risk Insurance

We offer life insurance to protect the most important people in your life, so you can leave a legacy and not have to worry about how they are going to manage when you are no longer there. Our affordable high-risk life insurance provides cover for the ones you love and pays out a cash lump sum or income if you were to die. The best thing about the policy is that you can personalise your cover just for your family and by setting up high-risk life insurance, you are ensuring that they are looked after in the future.

Our policies are specially designed to help families cope with the loss of the households main earner, to help them deal with financial pressure, as it can be overwhelming. There is a multitude of different types of cover to suit a variety of different needs including:

  • Cover to last for a defined period or for the rest of your life
  • Cover just for you, or you and your partner
  • Cover that stays at the same level, or increases with inflation
  • Cover that pays out as a lump sum or an income

We have a whole host of options for you to choose from that suits all individual circumstances.

We Recommend

Term Assurance is the type of cover that we most often recommend, although we fully understand that every individual’s circumstances are different and upon a conversation with you, we will explore what is the best option for you.

Our affordable high-risk life insurance pays out on the death of the policyholder for the period insured and you can set the levels of cover you need, for any duration, with Term Assurance. If you die within that period, the policy pays out and many policies pay early if you find that you have under 12 months to live.

Review From: S Redman

Very professional and knowledgeable indeed and happy to help in any way, Keeping you up to date every step of the way I would recommend to anyone.

Review From : TG

Thanks again for your 1st class professionalism and advice on helping me select the right policy for my needs. I will certainly be recommending you and your services to my colleagues in the future!! TG

Review From : Steve Cargill

A few questions asked and my insurance was all sorted over the phone. C&D know our business and their own so there’s no time wasting in this process with daft questions and it can all be sorted very quickly.

Review From : Neil Webster

My life insurance was completed with the minimum of fuss, all questions answered with ease and cover in place within a few hours. A+++++

Critical Illness Cover

However, if our life insurance isn’t for you, then our Critical Illness cover might be. Critical Illness Cover can pay out a tax-free cash lump sum when you need it the most, as it pays out when you are seriously ill and protects you against a major health crisis. The cover can help with care costs, medical bills, or even travelling abroad for treatment. It can also cover your financial commitments if you have a major crisis.

However not all Critical Illness cover policies are the same and cover needs to be chosen carefully, as it’s crucial to know what you’re getting, and it can prove to be hugely beneficial. We find that many people buy the cheapest cover they can get and then find they can’t claim, we ensure that this is not the case. However, if you are unsure, we can help you find the cover that suits you and your needs, as we are the only RMT Union Approved Specialist in the whole of the UK.

Income Protection Insurance

Here at C&D Specialist Insurance, we also offer Income Protection, the policy we recommend that every working person should consider. We believe Income Protection is an essential cover you can buy, as it can pay out if you are sick, disabled or unemployed.

Income Protection starts paying out after you have been signed off work by a doctor, as you are far more likely to be unable to work due to illness than to die. Income Protection could prove to be invaluable to your life if you were to fall ill or unemployed. And if your income is the one thing that pays for all your outgoings, Income Protection covers everything you pay for. The best policies provide a tax-free monthly amount until your retirement date, you could also be protected against disability and sickness and you can opt for unemployment cover too. Other benefits of Income Protection include:

  • Homemakers can cover the cost of home care and childcare
  • Pays out until you are able to start working again, or for the period you choose

The most comprehensive Income Protection Policies are ‘Own Occupation’ policies, that cover you if you are unable to do your current job. Beware of ‘Any-Occupation’ cover which only pays out if you’re unable to do any paid work, you could be off work but not ill enough to claim, so just be careful.

Who Is Our Affordable High-Risk Life Insurance For

Our high-risk life insurance plans are for anyone working in the oil and gas industry, here are some examples of high risk jobs that we provide cover for: commercial divers (saturation and air), offshore workers (riggers, crane operators, engineers, supervisors), workers at height (rope access technicians, scaffolders, roofers) and railway workers.

Who Are We?

Here at C&D Specialists Insurance, we provide affordable high-risk life insurance policies to suit every occupation in the oil and gas industry. We are also the only RMT Union Approved Specialist in the whole of the UK and have won many awards for our exceptional advice and specialist knowledge, so you don’t just have to take our for it that we know our stuff.

We also have over 25 years experience in the specialist insurance market and we will put your policy in trust for free, to ensure that the people you decide to receive the money will get it as soon as possible. In that time, we have provided £250 million worth of cover for our customers. Let us help you get the right cover at the best price.

Our Step-by-Step Process


We get to know each other


We give our expert advice and recommendation


You tell us what you think


We take you through the process


All done! You're fully covered

Why We’re So Good At What We Do


Multi award winning specialists – we know our stuff and your industry.


Over 25 years of experience in the specialist insurance market

Peace Of Mind

Over £250 million of cover provided for our customers


The only RMT approved specialist broker in the whole of the UK

Award Winning Expert Advice

Speak with an Adviser who will answer any questions you have, and find the best cover for you.

Mon-Fri: 9am - 6pm