Find High Risk Life Insurance

99% of offshore occupations covered with no increased premiums.

We can arrange life, critical illness & income protection Insurance if you are;


Self Employed

Limited Company Contractor

We can also arrange cover for your partner or spouse whether they are working or not.

Life Insurance isn’t as expensive as you think.....

£500,000 of level term life cover until the age of 65 for a 35-year-old non-smoker with guaranteed premiums is £28.24 per month.

Find High Risk Life Insurance and Protect Your Loved Ones

It goes without saying that you want to protect the ones you love and you want to make sure that they are cared for when you are no longer around, and with high risk life insurance, you can do just that. You can provide security and financial peace of mind for your family with Life Insurance that pays out a cash lump sum or income if you die.

Life insurance policies are designed to help families cope with the financial pressure of losing the household’s main earner. There are many different types of life insurance available to choose from, that caters for an array of different needs including:

Cover to last for a defined period or for the rest of your life

Cover just for you, or for you and your partner

Cover that stays at the same level, or increases with inflation

Cover that pays out as a lump sum or as an income

Life Insurance offers excellent value for money and often you can set the level of cover you need and for how long and if you die in that period, the policy will pay out. Many policies also pay early if you find that you have under 12 months to live.

Need To Find High Risk Life Insurance with Mortgage Cover?

If you need to pay off a mortgage, Mortgage cover can be an essential cover that you can buy. This type of decreasing life insurance cover pays out a tax-free lump sum designed to match your outstanding mortgage balance. You have the option to include Critical Illness Cover with this policy too, which will pay out on the death or earlier diagnosis of a specified illness in the policy. The lump sum is paid to your beneficiaries noted on the trust, not the mortgage company, allowing your family to choose to pay off the entire or part of the mortgage.

Find High Risk Life Insurance with Critical Illness Cover

If you were to fall critically ill, you want peace of mind that your family will be able to look after themselves and not struggle without you being around. That’s what Critical Illness cover is for. Life Insurance with Critical Illness cover pays out a tax-free cash lump sum in the event that you are diagnosed with a critical illness specified in the policy.

It’s important not to take risks when it comes to your health and to make sure that in the event that you fall ill, you and the ones you love are covered. Critical Illness Cover can protect you against a major health crisis and can help with care costs, medical bills, or even travelling abroad for treatment, so you can save money dramatically. It can also cover your financial commitments if you have a major crisis.

You can also ensure that your little ones are protected at no extra cost with Critical Illness cover as Children’s Critical Illness cover is also included with most policies, offering that little bit extra financial protection for you and the people who mean the most.

Find High Risk Life Insurance with Income Protection

We want to make being unable to work less of a worry, that’s why we help people to get covered by Income Protection insurance. We think that income protection is an essential cover you can buy as it pays out if you fall sick, unemployed or disabled.

Income protection can cover up to 70% of your pre-tax pay if you are unable to work and there are long and short-term cover offers available. Income Protection pays out until you’re able to start working again or for the period you choose.

The best policies provide a tax-free monthly amount until your retirement date and can protect you against disability and sickness – you can opt for unemployment cover too. Homemakers can cover the cost of home care and children.

We Can Help Even If You Already Have Cover

We can help if you’ve already got cover but you think you’re paying too much for it. You can get a free policy review and see for yourself how much money you can save with us.

If you’re trying to find high risk life insurance for limited company contractors or for those working in higher risk jobs that may be struggling to obtain higher quality affordable cover, get a quick quote to find out how you can save.

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.

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+++++

Why Speak To Us?


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 £135 million of cover arranged for our customers


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

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

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