High-risk occupation cover
High-risk occupation
life insurance, done right.
Roofers, scaffolders, offshore workers, emergency responders, armed forces, HGV drivers — your job keeps the country running. YPS finds insurers who price your cover fairly instead of refusing you at the door.
“A dangerous job shouldn't price you out of life cover. The right insurer makes all the difference.”
— A YPS specialist
What insurers look at
The factors that shape your quote.
- Your occupation and specific duties
- Working at height, underground, offshore or with hazardous materials
- Hours worked (regular, shifts, night work)
- Training, certifications and safety record
- Travel to high-risk regions
- Age, smoker status and general health
Why YPS for high-risk roles?
Most insurers use broad occupation classifications that can double your premium or decline you outright. We know the specialist underwriters who price trades, blue-light services, armed forces and offshore workers fairly.
- •Life Insurance, Critical Illness and Income Protection options
- •Specialist insurers who understand trade and emergency-service roles
- •Flexible cover for workers who travel or deploy
- •No fee to try — only pay if a policy is issued
