Offshore / Oil Rig Worker
Life Insurance Cover

Offshore & Oil Rig Workers life insurance, critical illness cover and income protection

Sports Financial Services is an insurance specialist for people who are classed as non-standard by insurance underwriters because of their sport or occupation, such as Offshore & Oil Rig Workers life insurance, critical illness cover and income protection. It is important to consider personal protection insurance such as life insurance, critical illness cover and income protection to protect your loved ones, especially if you are involved in hazardous activities at work. Most of us consider car insurance, house insurance or even pet insurance but most of us forget to protect the most important item in the household, you and your partner.

Some of the main risk factors from an underwriting perspective for Offshore & Oil Rig Workers life insurance, critical illness cover and income protection are:

  • Your job or role
  • Daily tasks
  • Time spent offshore
  • Industry (e.g. Gas, Oil, Renewable etc.)
  • Locations worked

Insurance underwriters will take all of your individual circumstances in to account when assessing your application for Offshore & Oil Rig Workers life insurance, critical illness cover or income protection to make sure that your policy is appropriate and suitable for you.

Roles for Offshore & Oil Rig Workers:

  • Administration Worker
  • Boat Captain
  • Catering Personnel
  • Commercial Diving
  • Engineer
  • Machine Operator
  • Medical Personnel

There is a vast range of different jobs and roles in these areas so if you need more help with your Offshore & Oil Rig Workers life insurance, critical illness cover or income protection then you should contact one of our experts today.

Offshore & Oil Rig Workers life insurance

There is a wide range of possible outcomes for Offshore & Oil Rig Workers life insurance due to the levels of risk varying dramatically between roles, from Administration or Office Staff at one end to Commercial Divers and Boilermen. It is possible to get a Offshore & Oil Rig Workers life insurance at normal rates which are the same as someone with no high risk issues, especially if you work inshore or have a low risk role. If your job is higher risk then you may find that you will pay more for your cover to reflect the increased risks.

Some of the main factors which will be assessed by underwriters when reviewing an application for Offshore & Oil Rig Workers life insurance are:

  • What is your job or role in the Offshore industry
  • How often do you work Offshore
  • Are your duties hazardous or dangerous
  • Do you work with hazardous materials or machinery
  • What locations/countries do you work in

The other main areas which will determine how much your Offshore & Oil Rig Workers life insurance premiums will be are:

  • Amount of cover (£’s)
  • Term of policy (years)
  • Type of life insurance policy

If you need more help or advice to get yourself and your family covered for Offshore & Oil Rig Workers life insurance then you should contact one of our experts on 0345 565 0935.

Offshore & Oil Rig Workers critical illness cover

It is also generally possible to get an Offshore & Oil Rig Workers critical illness cover policy which can also be offered at normal rates where the role is considered to be lower risk. You will find that there will be additional information required for your application and especially where there is more hazardous duties such as diving, working at heights or working with hazardous materials.

You may find that for more high risk roles for Offshore & Oil Rig Workers critical illness cover that your premiums could increase slightly to reflect the additional risks involved or your policy could be offered with some exclusions. You should also note that your policy will usually be excluded from having Total and Permanent Disability cover.

Offshore & Oil Rig Workers income protection

It can be slightly more difficult to get Offshore & Oil Rig Workers income protection due to the occupational risks of working at sea or with hazardous materials in a dangerous working environment. There are some standard exclusions that will often apply to a Offshore & Oil Rig Workers income protection policy which will be more or less the same across the board for all insurers.

Offshore & Oil Rig Workers life insurance, critical illness cover and income protection

If you need help to get your Offshore & Oil Rig Workers life insurance, critical illness cover or income protection cover then you should contact one of our team of experts on 0345 565 0935 for more information and a competitive quote.

Contact us now for your life insurance quote or apply online

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