Dangerous Occupations Life Insurance

Cover from as little as £18.70/mth Get a Quote now!
* Based on 30 year old, non-smoker for £100,000 level life insurance, £50,000 critical illness cover over 25 year term.
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Whether you’re a firefighter, police officer, construction worker or a professional working in a dangerous or high-risk occupation, Sports Financial Services are here to help with dangerous occupations life insurance.

Life Insurance for Dangerous Occupations

Life insurance is essential for everyone, providing financial protection for loved ones in case of unexpected events. However, individuals in dangerous occupations face unique challenges when seeking cover. Here we’ll explore what dangerous life insurance is, how it works, and how we go about arranging cover for you.

What Is Dangerous Occupations Life Insurance?

Dangerous occupations life insurance is designed for individuals who engage in hazardous occupations or are at increased risk due to their work and job responsibilities. These risks may lead insurers to charge higher premiums to account for the increased likelihood of claims.

We understand that each dangerous occupation comes with its own set of risks and challenges. That’s why we discuss your dangerous occupations’ life insurance needs. 

Dangerous Occupations Life Insurance

Cover Options

Our specialism lies in three areas:

  • Life Insurance – typically a lump sum that could be used for various uses such as mortgage settlement, debt repayment, or family support in the event of the policyholder’s demise.
  • Critical Illness Cover – offering financial reassurance upon diagnosis of specific conditions outlined in the policy.
  • Income Protection- is an option to address concerns about potential work interruptions due to accidents or illnesses.

Depending on your occupation and the level of risk there may be restrictions, exclusions or additional loading applicable to your type of cover. We have a dedicated team of specialists ready to guide you through the enquiry process, ensuring that you have the information and support you need to make informed decisions about financial protection.

Some occupations that could be categorised as high-risk include:

  1. Jobs requiring heavy lifting
  2. Work at heights 
  3. High car mileage occupations
  4. Underground or underwater work
  5. Hazardous environments (e.g., construction sites)
  6. Work with chemicals or explosives
  7. Operation of heavy machinery
  8. Frequent travel or working abroad

Get Started Today

When working in a dangerous occupation, the unexpected can happen at any moment and dangerous occupations life insurance could ensure that your loved ones are financially protected in the event of the unthinkable.

To explore financial protection options and receive a personalised quote, simply complete our online form or contact a specialist on 0345 565 0935. Whether you’re looking for a new policy or already have one in place from another provider and wish to compare your cover we will still be happy to hear from you.


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Frequently Asked Questions 

What is classed as a dangerous job for life insurance?

A job is considered dangerous for life insurance if it involves a higher risk of injury or death than typical occupations. At Sports Financial Services we assess the risk associated with different occupations to determine premium rates. Some common factors that classify a job as dangerous for life insurance include heavy lifting, working at heights, high car mileage occupations, underground or underwater work, hazardous environments (e.g., construction sites), work with chemicals or explosives, operation of heavy machinery, frequent travel or working abroad.

Does occupation affect the cost of life insurance?

Yes, your occupation can impact the cost of life insurance. Insurers assess risk factors, and certain occupations deemed riskier may result in higher premiums. Jobs with hazardous conditions, environments or physical demands may pose greater risks, which in turn affect the cost of life insurance policies.

How the Dangerous Life Insurance Process Works

When you enquire, we will discuss a range of factors in relation to your work and lifestyle, such as:

    1. Coverage Amount: The amount you require to cover your needs and the needs of your loved ones (e.g., mortgage payoff, living expenses).
    2. Policy Duration: The period you require cover for (e.g., 10, 20, or 30 years). 
    3. Disclosure Process: Detailed information about factors such as your occupation, lifestyle, and health.
    4. Premium Payments terms

By discussing the factors above and working with knowledgeable advisors you can be proactive in protecting your loved ones effectively.To discover more speak to an occupations specialist today on 0345 565 0935 or complete our online enquiry form.