Life Assurance for High Risk Occupations
People who have ‘high risk occupations’ are considered a greater life assurance risk and are often subject to some exclusions and higher premiums. What’s more, the definitions can differ from one life assurance provider to another.
The most common areas of concern are:
Working at heights, Oil and gas industry (particularly working offshore) , Armed Forces, Pilots, Fishermen
Working at heights
- What is the maximum height you’ve worked at?
- What is the average height you work at?
- What is the amount of time you spend working at heights?
Oil and Gas Industry
- What is your exact job title?
- Where do you work? (North Sea, Middle East for example)
Armed Forces
- What are your exact duties?
- Do you work under orders. If so, geographically where?
Pilots
(see also Dangerous Sports and Hobbies)
- What type of aircraft do you fly?
- Who is your employer?
- What routes do you fly?
- Are your flights scheduled or charter?
Fishermen
- In which geographical location do you fish?
- What is the size of your vessel?
- What are your exact duties?