If you work in a physically demanding or dangerous role, the financial impact of an accident or fatality could be devastating for your loved ones. Our specialist life insurance for high-risk occupations provides a lump sum or regular income payout so your family can cover the mortgage, bills, and living costs if the worst happens.
Convenient options for you.
Having credit issues shouldn’t stop you from buying or remortgaging. We work with lenders offering adverse credit mortgages for self-employed clients, including those with historic CCJs, defaults, or missed payments. We also assist discharged bankrupts or those with past IVAs, as well as clients with low to moderate credit scores.
As a limited company director, your business may be thriving—but your official salary and dividends might not show your full earnings. We work with lenders who consider retained profits with your salary, accept one or two years of accounts, offer flexibility if you’ve taken lower income for tax purposes, and understand how director finances are structured.
If you’re a contractor, many lenders assess income based on your day rate rather than a standard salary—often enabling larger loan amounts. We support IT contractors, construction workers, creative professionals, and more. PAYE umbrella contractors, limited company contractors using gross contract value, and contractor mortgages with bad credit—even with defaults—are all considered.
Check your eligibility and secure affordable cover to protect your loved ones.
Essential answers to common questions about securing specialist cover for high-risk occupations.
Not always – it depends on your health and chosen cover amount.
Yes – some insurers have location limits, but we know which ones will approve you.
Even if you have past medical conditions or a challenging work environment, you may still get approved:
You may still qualify if you have:
We’ll match you with the right insurer and structure your application for the best chance of approval.
Specialist cover tailored to your occupation, ensuring your loved ones are protected—starting from just £10/month.
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