When it comes to enquiring about life insurance, income protection or critical illness cover, there are a variety of dangerous or hazardous occupations that will require further information or mean that you may have to accept specific exclusions or adhere to certain terms. If you are someone who works in particularly high-risk environments or conditions, it’s completely normal to have questions about certain life insurance policies.
You may be wondering if it’s possible to get an affordable life insurance policy, or if you are even able to purchase an insurance plan. Fortunately, if you do have a risky occupation but your health is in good condition or above average, you may be in luck. The majority of life insurance companies appreciate that everyone has loved ones who are dependent on them financially and will validate policies for individuals in just about any occupation, providing that their health is good.
Occupations that involve risks and mean there is a difficulty when obtaining life insurance compared to other occupations include, the Armed Forces (Army, Navy or RAF), builders, construction workers, commercial and emergency services drivers, engineers, pilots, security and offshore workers, to name but a few. –However, higher risk jobs don’t mean that you cannot get life insurance.
Typically, when applying for life insurance, people are asked about their occupation in order to determine the level of risk involved, which would be influenced by things such as; having to work with dangerous machinery, working at heights, the use of firearms, travel or working abroad, and dangerous or high-risk locations.
If you have a high-risk job, the possibility of death is, therefore, higher and riskier for insurers who, for obvious reasons, want to avoid having to pay out early on. For this reason, your monthly premiums may be more expensive. Each person’s situation differs and aside from your occupation, there are many different factors that can affect your insurance policy. With this in mind, it is essential to get expert advice from professional insurance advisors.
Perhaps you have been denied a life insurance policy in the past because of your hazardous occupation, but this does not mean that it’s impossible for you to get life cover, as risks are determined differently from insurer to insurer.
At Quick Quote Life, our team of life insurance experts are experienced in dealing with those who are seen as high risk by insurance providers because of their occupation. Our advisors have substantial knowledge of what levels of risk particular life insurance providers will approve. Contact us today and we will find you the best life insurance policy suited to you.