High Risk Life Insurance Providers

99% of offshore occupations covered with no increased premiums

Are You Looking For High Risk Life Insurance Providers?

If you are, you need not look any further. Here at C&D Specialists Insurance, we are high risk life insurance providers that specialise in Life, Critical Illness and Income Protection Insurance for anyone working in the oil and gas industry. We help provide 99% of higher risk occupations cover with no increased premiums, which makes us stand out in comparison to other brokers.

High Risk Life Insurance Providers With a Difference

Are you paying out too much for your life insurance policy, or are you struggling to obtain a life insurance policy in the first place? We know that because of your career choice, usually, insurers will increase premiums to cover the risk, place exclusions or decline your cover altogether. However, as we are market leading high risk life insurance providers, we take a fresh approach to insurance policies for high risk careers, and we believe that you should not pay more for working offshore.

High Risk Life Insurance Providers of Life and Critical Illness Insurance

Naturally, you want to protect the ones closest to you, so why not show your loved ones how much they mean to you with our Life Insurance and Critical Illness cover, that protects the most important people in your life.

Rest assured that in the unfortunate event that you were to die, you can provide security and financial peace of mind for the ones closest to you with our Life Insurance and Critical Illness cover.

Life Insurance pays out a cash lump sum on the death of the policyholder for the period insured and offers very good value for money. Policies are designed to help families cope with the financial pressure of losing the household’s main earner and there are many different varieties of life cover available to suit an array of needs.

If you have to pay off a mortgage, our life insurance cover can help you do that, too.

High Risk Life Insurance Providers with Mortgage Cover

Life Insurance Mortgage Cover is an essential cover you can take if you have a repayment mortgage. 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.

Mortgage Life pays out on the death or earlier diagnosis of a specified critical illness. The lump sum is paid to your beneficiaries noted on the trust, not the mortgage company, they can choose to pay off the entire or part of the mortgage.

High Risk Life Insurance Providers with Critical Illness Cover

Life Insurance with Critical Illness coverage pays out a cash lump sum if you are diagnosed with a critical illness specified in the policy. Children’s Critical Illness cover is also included with most policies, offering financial protection for you and your family.

It’s important not to take risks when it comes to your health and make sure you and the ones you care about 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. It can also cover your financial commitments if you have a major crisis.

High Risk Life Insurance Providers with Income Protection

Income Protection Insurance is an essential cover we recommend that you buy, as it pays outs if you were to fall sick, unemployed or disabled.

There are long and short term cover offers available, and it can cover upto 70% of your pre-tax if you are unable to work, which makes being unable to earn less of a worry knowing that your wages are protected.

Income Protection covers everything you pay for if your income is the one thing that pays for all your outgoings. The best policies provide a tax-free monthly amount until your retirement date, and it can protect you against disability and sickness. You can opt for unemployment cover too and homemakers can cover the cost of home and childcare.

Income Protection pays out until you’re able to start working again or for the period you choose. Because you are far more likely to be unable to work due to illness than to die, Income Protection may be more important to have.

High Risk Life Insurance Providers with Specialist Advice

You’ll be pleased to hear that we are the only RMT Union Approved Specialist in the whole of the UK with Award Winning advice. Our highly skilled advisers have been trained to offer you exceptional advice and guidance to ensure that you get the right cover, at the best price for you so you don’t end up paying more than you have to. Our specialist advisers know the insurance marker inside out to guarantee that you get the best value and quality life insurance.

Already Got Cover? No Problem – High Risk Life Insurance Providers

We can help even if you have already got cover. If you think you’re paying too much for your current cover, you can get a free policy review and see for yourself how much money you can save with us.

So if you are looking for high risk life insurance providers for those working in higher risk jobs or experiencing health issues, who are paying too much or are struggling to get good quality affordable cover, get a quick quote to find out how you could save.