Our Company

6 The Old Quarry, Nene Valley Business Park, Oundle, Northamptonshire, PE8 4HN

T: 01832 734047

T: 0330 043 4321

E: enquiries@candd.uk.com

 

C & D Specialist Insurance is a trading style of C&D Group Holdings (UK) Ltd (the new re-branded name for Cozens & Dean Financial Services Ltd) which is authorised and regulated by the Financial Conduct Authority Registered in England 781580.

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Registered in England & Wales No. 8271821. Registered address: Bank Chambers,
27a Market Place, Market Deeping, Peterborough, Cambridgeshire, England, PE6 8EA

©2019 by C&D

99% OF OFFSHORE OCCUPATIONS COVERED WITH NO INCREASED PREMIUMS

BEST HIGH RISK LIFE INSURANCE COMPANIES

BEST HIGH RISK LIFE INSURANCE COMPANIES

LOOKING FOR THE BEST HIGH RISK LIFE INSURANCE COMPANIES?

Imagine a time where you are no longer around to take care of the ones you love, the people you’ve worked so hard to protect over the years… They are facing increasing debt, bills seem to be piling up with no sign of declining, they are struggling with the most basic daily tasks like putting food on the table and more alarmingly, the mortgage isn’t getting paid like it used to when you were around, putting your families home at risk.

When you were around, your family were living comfortably, now they are barely scraping by, it’s a significant difference. It’s not your fault, it’s just they were never prepared to lose the households, main earner. But luckily, this bleak image doesn’t ever have to be a reality when you take out a life insurance policy with one of the best high risk life insurance companies.

BEST HIGH RISK LIFE INSURANCE COMPANIES VS. TRADITIONAL LIFE INSURANCE COMPANIES

Working in the offshore industry, you’re more likely to find it challenging obtaining affordable, quality life insurance policy as you are viewed as high risk by traditional life insurance companies. Therefore, insurers are more likely to increase premiums to cover the risk, place exclusions or decline your application altogether, which we deem as unfair. We don’t believe that you should pay more for working offshore, that’s why we help provide 99% of offshore occupations with life insurance with no increased premiums.

Want to find out how we can help you save? Get a free quick quote today and advice from us today to see how much we can help you save.

FINANCIAL PROTECTION FOR YOUR LOVED ONES

Just because you aren’t around anymore, doesn’t mean that you can’t provide for the ones that matter the most. Your family could receive a cash lump sum in the event of your death, just imagine how far that would go…

Some of the best high risk life insurance companies have policies that are designed to help families cope with the financial pressure of losing the household’s main earner, as it can be a significant shock to the system. Rest-assured, there are many different varieties of life cover available, to suit an array of needs.

WORRIED ABOUT FALLING CRITICALLY ILL?

The chances that you know someone that has fallen critically ill is highly likely and it can be easy to slip into the cycle of worrying about a critical illness striking. However it’s unproductive and a waste of brain power, due to the nature of critical illness in which some cases makes it impossible to predict. The best thing you can do is make sure you are prepared in the event that it does strike.

All to often, when people fall critically ill, financial hardships can cause people to lose focus on recovering and getting better. But this is where Life Insurance and Critical Illness insurance can play a role in your recovery. Critical illness cover can protect you during a major health crisis as it can help with things like medical bills, care costs and even travel abroad for life-saving treatment, so you can focus on getting better. Critical illness can also cover your financial commitments like a mortgage, loan and general living costs too, so you’ve got the best chance of recovery.


BEST HIGH RISK LIFE INSURANCE COMPANIES PROVIDING INCOME PROTECTION INSURANCE

Additionally, we recommend income protection insurance as an essential cover you can buy, as it makes being unable to earn less of a worry, knowing your wages are protected. Income Protection can cover up to 70% of your pre-tax pay if you are unable to work due to unemployment or falling ill.


ALREADY COVERED, BUT THINK YOU’RE PAYING TOO MUCH?

If you’ve ever had this thought and you think you are paying too much for your current life insurance policy, you can find out how much we can help you save, with a free policy review.

WHY GET IN TOUCH?

Finding the best high risk life insurance companies, isn’t always the easiest task that’s why we want to help individuals in higher risk jobs that may be experiencing health issues, are paying too much for their current life insurance or are struggling to get good quality affordable cover. We are multi-award winning specialists with 25 years experience in the specialist insurance market, so rest-assured we know our stuff and your industry. We are also the only RMT approved specialist broker in the whole of the UK. Contact us today to find out how we can help you save.

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.

AWARD WINNING EXPERT ADVICE

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