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Oil and Gas Worker Life Insurance

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Oil and Gas Workers Life Insurance, critical illness cover and income protection

The Insurance Surgery is a top insurance expert for people who are classed as non-standard by insurance providers because of their occupation, including Oil and Gas Workers life insurance, critical illness cover and income protection. It is important to have insurance such as life insurance, critical illness cover or income protection to protect your family, especially if you have a hazardous job. There are many reasons why you should have a life insurance policy to protect your family against the unthinkable.

Some of the major risks from an underwriting view for Oil and Gas Workers life insurance, critical illness cover and income protection are:

  • Your role (e.g. Gas or Oil)
  • Daily duties
  • Time spent offshore/onshore
  • Industry (e.g. Gas, Oil, Renewable etc.)
  • Locations

How Oil and Gas Workers Life Insurance, critical illness cover and income protection works:

Insurance underwriters will take your circumstances in to account when reviewing your application for Oil and Gas Workers life insurance, critical illness cover or income protection to make sure that your policy is suitable for you.

Roles for Oil and Gas Workers:

  • Administration Worker
  • Commercial Diving
  • Engineer
  • Machine Operator

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

 

Oil and Gas Workers Life Insurance

There are a number of potential outcomes for Oil and Gas 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 an Oil and Gas Workers life insurance at standard rates which are the same as someone with no major issues, especially if you work onshore or have a low risk job. 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 key factors that will be assessed by underwriters when reviewing an application for Oil and Gas Workers life insurance are:

  • What is your jobs duties
  • How often do you work Offshore
  • Are your duties dangerous
  • Do you work with hazardous chemicals or machinery
  • What locations/countries do you work in

The other main areas which will determine how much your Oil and Gas Workers life insurance premiums will be are:

  • Sum assured (£’s)
  • Term of cover (years)
  • Type of life insurance cover

If you need more information or advice to get yourself and your family protected for Oil and Gas Workers life insurance then you should speak to one of our team of experts on 0800 083 2829.

 

Oil and Gas Workers critical illness cover

It is also usually simple to get an Oil and Gas Workers critical illness cover policy which can also be offered at standard rates where the role for lower risk roles. 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 might also find that for more dangerous roles for Oil and Gas Workers critical illness cover that your premiums could increase to reflect the added 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.

 

Oil and Gas Workers income protection

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

If you need help to get your quote for Oil and Gas Workers life insurance, critical illness cover or income protection cover then you should contact one of our team of experts on 0800 083 2829 for more information and a competitive quote.

 

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