HIGH RISK LIFE INSURANCE POLICIES
WHAT ARE THE BEST HIGH RISK LIFE INSURANCE POLICIES?
Imagine a time where you are no longer around to provide for your family, and they are barely scraping by. They aren’t living, they are merely existing. The basics of day-to-day living seem to be getting more difficult with each day that passes. Food is scarce, bills are piling up with no sign of declining and the mortgage isn’t getting paid as regularly as it used to when you were around.
Luckily this image doesn’t have to ever become a reality with our high risk life insurance policies, that allows you to still take care of the ones you love, even when you’re not around.
WHY PAY MORE FOR WORKING OFFSHORE?
Your job carries its own risks, which we are fully aware of. Your high risk career requires commitment, long work hours and you’ll have to make sacrifices, too. That’s why we don’t believe in making it impossible for you to obtain high risk life insurance policies. Your job is hard enough as it is and we don’t want to make things even more difficult. That’s why we provide 99% of offshore occupations with high risk life insurance policies with no increased premiums, as we don’t believe you should pay more for working offshore.
Due to your high risk career, you might find it difficult to obtain life insurance coverage with some life insurance providers as they might place exclusions to cover the risk and increase premiums or decline your application for life insurance coverage altogether. But that’s where we come in to help. We help provide high risk life insurance policies to those working in higher risk jobs, who might experience health issues, pay too much for their life insurance or struggle to get good quality, affordable coverage.
WHO’S ELIGIBLE FOR HIGH RISK LIFE INSURANCE POLICIES
If you’re employed, self-employed or a limited company contractor, you will be eligible for high risk life insurance policies. We can also help arrange cover for your partner or spouse, regardless of whether or not they are working.
Did you know that your limited company can now pay for your high risk life insurance and critical illness premiums and treat them as an allowable business expense? You’ll be pleased to hear that it works out up to 50% cheaper, too.
IMPORTANCE OF HIGH RISK LIFE INSURANCE POLICIES
Obtaining a life insurance policy can protect the ones who matter the most in your life, to provide them with financial security in your absence. In the event of your death, your family will receive a tax-free cash lump sum, just think how far that would go with your family… High risk life insurance policies are designed to help families cope with the financial pressure of losing the household’s main earner and there are plenty of different varieties of life cover, suiting an array of different needs.
WORRIED ABOUT FALLING CRITICALLY ILL?
If you’re worried about falling critically ill, you shouldn’t be as falling critically ill cannot be predicted no matter how long you spend worrying about it. But what you can do, is make sure you are prepared in the best way possible, for if it does strike.
Luckily, with high risk life insurance policies you can include Critical Illness Cover with it too, that pays out a tax-free cash lump sum in the event that you are diagnosed with a critical illness specified in the policy. The cover can help with things like care costs, medical bills or even travel abroad for life-saving treatment. It can help cover your financial commitments in a major health crisis.
Like the sound of high risk life insurance policies? You can get a free quick quote online to see how much we can help you save.
HIGH RISK LIFE INSURANCE POLICIES – INCOME PROTECTION INSURANCE
When you’re unable to work you want to make being unable to earn less of a worry, that’s why we recommend Income Protection insurance as one of the high risk life insurance policies that every working person should consider. Income Protection pays out if you’re disabled or unemployed and can cover up to 70% of your pre-tax pay if you are unable to work.
“BUT I’VE ALREADY GOT LIFE INSURANCE COVER”
If you’ve already got life insurance cover but maybe you think that you’re paying too much, you can get a free policy review to see how much money we can help you save.
WHY CHOOSE US FOR HIGH RISK LIFE INSURANCE POLICIES
We don’t like to blow our own trumpets, but we are the only RMT Union Approved Specialist in the whole of the UK with Award Winning advice, so rest assured we know our stuff and your industry. We also have over 25 years experience in the specialist insurance market, and we think that does the talking for us. If you’d like to find out more about our high risk life insurance policies, do not hesitate to get in touch.