High Risk Life Insurance Brokers

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 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.

High-Risk Life Insurance Brokers

Are you struggling to get life insurance to protect your family’s future, because of your high-risk career? With C&D Specialist Insurance, you don’t have to worry about that anymore. As specialist high-risk life insurance brokers, we understand that your career can be challenging but rewarding at the same time. We also know how hard it is to handle long, working hours, extended time away from home and the physically demanding responsibilities involved in the job. We know your business and the sacrifices that you have to make, that’s why we want to ensure that protecting your family’s future isn’t as tough. To secure your family’s future and provide them with peace of mind. Setting up your policy with C&D is the easiest, most stress-free way to make sure you’re fully covered, so you can rest easy.

Incomparable to Other High-Risk Life Insurance Brokers

Unlike other high-risk life insurance brokers, we specialise in providing life, critical illness and income protection insurance for anyone working in the oil and gas industry. We cover 99% of higher risk occupations with no increased premiums, including Commercial Divers (Saturation & Air Divers), Offshore Workers (Riggers, Crane Operators, Engineers, Supervisors), Workers at heights (Rope Access Technicians, Scaffolders, Roofers), Rail Workers and many more.

We won’t do what standard brokers do and increase your premiums or place exclusions to cover the risk or decline your cover together, simply because of your career. Instead, we recognise that obtaining affordable high-risk life insurance coverage can be difficult for you and we want to make the process a whole lot smoother.

Quick, Easy, Step-By-Step Process

Our step-by-step method will help you get the best cover tailored to your needs and our specially trained advisors will work to find the most suitable cover for you. In the initial stages, we get to know you and your circumstances. Then we provide you with our expert advice and provide a recommendation. You feedback to us with what you think, and if you’re happy, we will walk you through the process. That’s it, you’re fully covered! It’s that simple.

For your peace of mind, we are the only RMT Union Approved Specialist in the whole of the UK, winning many awards for our exceptional advice & specialist knowledge. Let us help you get the right cover.

Protect the Most Important People In Your Life

As high-risk insurance brokers, we provide life insurance policies that allow you to protect the most important people in your life. Our life cover provides for your family, which can be personalised dependant on your needs. In the unfortunate event that you die, your family will be paid a cash lump sum or an income to ensure that they are able to manage when you are no longer around.

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 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 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

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+++++

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 your best option.

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.

Critical Illness Cover

However, if life insurance isn’t for you, then our Critical Illness cover might be. This type of cover pays out a tax-free, cash lump sum if you’re diagnosed as having one of the illnesses specified in the policy. Critical Illness cover can be hugely beneficial as it 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.

It’s important to note that not all Critical Illness policies are the same, and choosing yours carefully is vital as it’s key to know what you’re getting. 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.

Income Protection Insurance

As high-risk life insurance brokers, we also offer income protection insurance, the policy we recommend every working person should consider. We believe that Income Protection is the essential cover you can buy, as it can pay out if you fall sick, disabled or unemployed. Income Protection can cover up to 65% of your pre-tax pay if you are unable to work, making being unable to earn less of a worry, as you know your wages are protected.

What’s Covered with Income Protection?

Everything. 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

Income Protection starts paying after the set deferred period has been reached and you have been signed off 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.

Why Choose Us as Your High-Risk Life Insurance Broker

With over 25 years of experience in the specialist insurance market, We are trusted brokers that want to find the best cover for you. We are also multi-award winning specialists, we know our stuff and your industry, so you know you are in the best hands. 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 for you.

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