Risky occupations

Airline pilots are considered a risky occupation

Every job involves a degree of risk. However, when it comes to life insurance, there are certain occupations which place you in the ‘high risk’ (or impaired) category.

Being classified as high risk generally increases the cost of your monthly premium.

In rare instances, it could mean an insurer even declines your application altogether.

Remember, life insurance pays out when you die, so if the job you do means you’re at greater risk, it makes sense that you pay more for cover.

It doesn’t mean you can’t find affordable life cover

Every insurer will assess your application against their own specific underwriting criteria, which instructs them on how to price your premium.

Different insurers employ different underwriting criteria and therefore policy quotes can vary significantly.

In order to secure the right cover, at the very best price, it’s important to compare multiple quotes.

At Reassured, we can undertake this comparison on your behalf, at no cost, saving you time and money.

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Which occupations are deemed high risk by insurers?

It’s important to understand that occupations classed as high-risk, can vary depending on the insurer.

Which is why it’s important to either shop around yourself or use a broker to compare quotes.


As a general rule, insurers deem you a higher risk if you:

Example occupations include:

The above is not a complete list of high-risk occupations, merely a guide. Similarly, if you regularly take part in dangerous hobbies your premiums are likely to be higher too.

What effect does this have on your life insurance?

Lorry driverEvery insurance application is considered on a case-by-case basis. In a worst-case scenario, your insurer may decline your application.

In most cases, it simply means there’ll be a little more added on to your premium to compensate for the fact you’re a higher risk.

We’re here to help you secure affordable life insurance and protect your loved ones, even if you have a dangerous occupation.

Why not challenge us to help you find the most affordable cover today?

Starting a new risky job

Changing job roles into one which is deemed as high risk, will not require you to inform your insurer.

Like most other changes to your wellbeing and lifestyle, taking a new job in a field which is considered risky does not require you to inform your insurer.

As long as you were truthful at the point of application, any changes once the policy is in place are not required to be disclosed to the insurer.

Self-employed jobs

If you happen to be self-employed, it’s usually even more important that you secure life insurance.

Especially if you’re self-employed and in a high-risk occupation.

This is because you don’t benefit from the cover offered through your employers, such as death in service and sickness benefit.

Everything is your responsibility, and if you’re unable to work your loved ones could suffer financially.

Reasons to use Reassured for your life insurance:

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