Decisions can be instant after application submitted
Life, Income Protection & Critical Illness Cover
Global cover at no extra cost
We cover all bases
Life Insurance Mortgage Cover
Life insurance designed to cover your outstanding mortgage balance and term
Pays a tax free lump sum
Option to include Critical Illness Cover
Life Insurance Family Cover
Life cover which provides security for your family
Pays a tax free lump sum or income if you die
Financial peace of mind for you and your family
Critical Illness Cover
Tax-free lump sum if diagnosed with a defined critical illness
Children's critical illness cover included with most policies
Financial protection for you and your family
Income Protection Insurance
The most essential cover you can buy
Pays out if you’re injured or ill
Offers long or short-term cover
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With Offshore Life Insurances, you can gain peace of mind knowing that our coverage is designed specifically for your line of work.
Contact us now to secure your tailored coverage and ensure the protection you deserve.
Recognised expertise and award-winning service
We are the sole RMT Union Approved Specialist in the UK, demonstrating our expertise and dedication to high-risk occupations.
Our exceptional service and multiple prestigious awards reflect our commitment to providing you with the finest coverage options. We are passionate about supporting and protecting you when it matters most.
Place your trust our recognised expertise to secure insurance coverage that safeguards your future and grants you peace of mind throughout your career.
Frequently asked questions
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Will the premiums go up because of the work I do?99% of the time we can arrange cover on standard terms, meaning there will be no increase in premiums because of your job.
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Will I be covered whilst at work?Yes, you’ll be covered 100% of the time 24/7/365.
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Will I be covered travelling to and from the Rig/Installation either by a Helicopter or Vessel?Yes, you’ll be covered 100% of the time regardless of the mode of travel.
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Can you also arrange cover for my partner?Yes, we can provide cover for partners on the same basis. We’ll just need their DOB, smoker status and how much cover they want and for how long.
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Will I be covered if I work overseas?Yes, we can arrange cover for people working overseas. There are some location hotspots (such as conflict zones), but that doesn’t mean we can’t get you covered. We’ll just need to ask a few additional questions.
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Will my children be covered under a critical illness policy?Most policies provide a level of cover for children if diagnosed with a specified critical illness. This is typically £25,000 but could increase to £50,000 depending on the policy and provider.
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If I take out a policy will be the monthly premiums stay the same or will they increase each year?All life & critical illness policies we arrange are on a guaranteed premium basis, meaning the monthly costs will stay the same for the duration of the policy.
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Who will get the money if I die?We write all policies in trust meaning if you were to die, the lump sum will pay out to the beneficiaries you have selected, which avoids any potential inheritance tax and usually pays out within 30 days of a claim.
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Can I arrange the cover over the phone?Yes, we complete all applications over the phone, which usually takes no longer than 15-20 minutes, and subject to standard underwriting you could be covered immediately.
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I already have a policy, can you review this?Yes, we can. Generally, if you have an older style policy, this may have exclusions or increased premiums because of your occupation. We may be able to replace it, so it has no exclusions or increased premiums.