How do I get life insurance with a high-risk occupation?

Working in a high-risk occupation doesn’t mean life insurance is out of reach. While some roles involve greater physical danger or health risks, many insurers are still able to offer high-risk life insurance cover - often with terms tailored to reflect the level of risk involved. Understanding how insurers assess occupations and knowing how to approach the application process can greatly improve your chances of securing the right level of protection at a competitive price.

Below, we explore examples of a high-risk occupation and how to successfully navigate the life insurance process if your job falls into this category. 

What is a high-risk occupation?

A high-risk occupation is any job that increases the likelihood of injury, illness, or death compared to the average profession. Insurers assess risk based on the working environment, the tasks involved, and the potential exposure to hazards.

Examples of occupations commonly considered high-risk include:

• Construction workers and scaffolders
• Roofers and window cleaners working at height
• Firefighters and emergency responders
• Offshore oil and gas workers
• Commercial drivers and pilots
• Armed forces personnel
• Miners and quarry workers

While these are common examples of high-risk occupations, each insurer has its own assessment process, so it’s always worth checking.

How insurers decide if a job is high risk

Insurers typically look at:

• Level of physical danger, such as working at height or with heavy machinery
• Exposure to hazardous materials, including chemicals or explosives
• Work environment, for example offshore, underground, or in extreme conditions
• Frequency of risk, not just occasional exposure

How to prepare for a life insurance application if you have a high-risk occupation

Preparation is key when applying for high-risk life insurance policies. Before you apply, it’s important to be clear about your job role and day-to-day responsibilities, how long you’ve been in the role, and whether you do the work full time or only occasionally. You should also be ready to provide details of any safety measures, training, or qualifications you have in place. Providing accurate information from the outset helps insurers assess risk correctly and can prevent unnecessary delays.

Insurers may ask:

• Your exact job title and employer
• A breakdown of your duties
• Whether you work at height, underground, offshore, or with dangerous equipment
• Details of health and safety procedures

Honesty is essential when applying for high-risk life insurance policies, as failing to disclose important information could invalidate your policy in the future. Being open and accurate from the start helps ensure your cover works exactly as intended when you or your loved ones need it most.

Additional insurance for high-risk workers

Additional insurance is often an important consideration for people working in high-risk roles.

Income protection insurance can be especially valuable for those in physically demanding or hazardous occupations. It can replace a portion of your income if you are unable to work due to illness or injury, help maintain long-term financial stability, and be adapted with different waiting periods and benefit lengths to suit your role. Although the application process may involve a few more questions, income protection is often achievable with the right insurer and specialist advice.

Critical illness cover can be more restricted depending on the nature of the job. Some insurers may charge higher payments, exclude certain conditions, or limit the amount of cover available, which makes a tailored approach essential to ensure the policy still provides the right protection for you.  

Finding the right protection for you

Having a high-risk occupation doesn’t mean you have to compromise on financial security. With the right preparation, honest disclosure, and expert guidance, it’s possible to secure life insurance and related cover that truly protects you and your family.

What’s considered a ‘high-risk’ job - and what is or isn’t covered - can vary significantly between insurers. Where one provider may apply exclusions or decline cover, another may be more flexible. Speaking to a LifeSearch adviser means you’ll have an expert on your side who understands these differences and can compare options across a wide range of insurers, helping you find a policy that fits your job, your needs, and your budget.

Explore insurance options for your line of work with an expert adviser

If you’d like to protect your earnings but are worried about getting cover because of your job our advisers can talk through your options to find the best product for you.

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