High Risk Term Life Insurance

99% of offshore occupations covered with no increased premiums

Are You The Household’s Main Earner?

If you’ve ever asked yourself this question, listen up! This one’s for you.

You’d think that in answering the question ‘how much life insurance do I need’, the response would be fairly straight-forward. However, it’s not always the easiest thing to work out, if you don’t know what things to factor in to get the answer.

How much life insurance you need will depend on factors including your circumstances, like your job, and the type of protection that you’re looking for.

For example, you may be looking to protect your mortgage, cover additional debts, or provide a cash lump sum for your loved ones to maintain their standard of living in the event that you are no longer able to provide for them if you were to fall critically ill or pass away.

There’s no one-size-fits-all solution when it comes to answering ‘how much life insurance do I need’, as the amount of cover and how long it lasts for will vary from person to person. Nevertheless, we will help you find the most suitable cover for you and your individual needs if you’re unsure of what level of life insurance cover is right for you.

What Is High Risk Term Life Insurance?

To put it briefly, high risk term life insurance or term assurance is a type of life insurance that provides coverage at a fixed rate of payments for a period of time.

High risk term life insurance can give your family financial protection in the event that you are no longer able to provide for them due to death, critical illness or being unable to work. Just because you are no longer around to provide for your loved ones, doesn’t mean that you should stop providing for them all together. With high risk term life insurance, you never have to stop.

Who Can Benefit from High Risk Term Life Insurance

If you are worried that we might not be able to help provide you with high risk term life insurance, maybe the fact that we provide 99% of occupations with cover with no increased premiums might reassure you.

We can also help arrange high risk term life insurance, critical illness and income protection insurance for you if you are:

  • Employed
  • Self-employed
  • Limited company contractor

It could be that you have a hazardous occupation, like working on an oil rig, being a rope access technician or an ROV pilot.

Did you know we can also arrange cover for your partner or spouse regardless of whether they are working or not?

How Far Would a Cash Lump Sum Go with Your Family?

…Did we also mention that it’s tax-free? Would it allow your family to pay the bills regularly on time? And make payments to the mortgage each month with ease?

The policies we help provide are designed with your family in mind, to help ease the financial burden left on households after losing the primary breadwinner. There are many different types of high risk term life insurance cover available to cater for a whole host of individual needs, as we understand that no two families are the same.

Want to find out how much you could be saving with high risk term life insurance? Get a free quick quote today.

Worried About Falling Critically Ill?

Worrying about falling critically ill is waste of time and mental energy as the nature of some critical illnesses makes them undetectable in some cases. However, the best course of action we recommend is making sure that you are protected in the event that critical illness does strike. Luckily, you can include Critical Illness cover with high risk term life insurance, so you can ensure that you are protected in a medical emergency.

By including Critical Illness cover with your high risk term life insurance, you are providing protection for yourself and your loved ones in a major health crisis. Critical Illness can allow you to focus your attention on recovering and getting back to full health, rather than worrying about how your family are going to manage in the event that critical illness does strike.

For you, the cover can help with things like care costs, medical bills, or even travel abroad for treatment. For your loved ones, it can provide cover for financial commitments like bills and the mortgage. We don’t think you should leave the future of your loved ones to chance.

“I’m Unable to Work, Is There Cover Available?”

You’ll be pleased to hear that there is cover available if you are unable to work, both long or short-term options. Income protection can cover up to 70% of your pre-tax pay if you are unable to work, making being unable to earn less of a worry when you know that your wages are protected.

Already Got Cover? No Worries!

If you’ve already got cover with someone else but you think you might be paying too much for it, you can find out exactly how much you could be saving with us with a free policy review.

Why Choose us to Provide High Risk Term Life Insurance

We don’t like to brag, but we are the only RMT Union Approved broker in the whole of the UK with award-winning advice, which is something we are proud of. We have over 25 years experience in the specialist insurance market so rest assured, we know our stuff and your industry inside-out so that we are able to provide you with the best high risk term life insurance coverage for you and your loved ones.

Start protecting the one you love today, have a chat with us.