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Frequently Asked Questions

Individuals in high-risk professions—such as military personnel, firefighters, roofers, pilots, or deep-sea divers—typically face elevated life insurance premiums. The perceived dangers of these careers lead insurers to assess a greater risk of mortality, which in turn increases the likelihood of claims.

Hobbies can impact your life insurance premiums since high-risk activities increase the likelihood of accidents. Insurers usually raise rates for those involved in adventurous pastimes like skydiving or scuba diving due to the associated risks. Your choice of hobbies is a key factor in determining your insurance costs.

Yes, smoking and weight can both impact your high-risk life insurance. They’re examples of broader lifestyle factors that insurers consider when assessing your level of risk. Smoking increases the chance of serious health issues, while a high body mass index (BMI) is linked to conditions like diabetes and heart disease—both can lead to higher premiums. In general, a wide range of lifestyle choices, including alcohol use, exercise habits, and even where you live, can influence how much you pay for life insurance and the type of cover available to you.

It may be possible to get cover. The type of cover and cost will depend on the kind of cancer you had, how long you've been cancer-free, or if you currently have the illness, as well as your overall health. Other conditions like diabetes, high blood pressure, or asthma (whether past or ongoing) also affect the high-risk cover available and its price. Insurers consider many health factors, including current illnesses and family history, when assessing risk.

Who is considered high risk for life insurance?

  • Chronic Medical Conditions

    Individuals with health issues such as cancer, diabetes, HIV, heart disease, and mental health disorders may be considered impaired risks.

  • High-Risk Occupations

    Those employed in hazardous professions like the military, law enforcement, and emergency services face higher classifications due to increased injury or fatality risks.

  • Risky Activities

    Participation in dangerous sports or extreme hobbies, such as rock climbing and snowboarding, can also impact life insurance premiums due to the associated risks.

  • Age and Lifestyle Factors

    Older individuals, as well as those who currently smoke, drink excessively, or use drugs (with past use also potentially considered), or who are obese, may be classified as impaired risks due to their higher likelihood of developing serious health issues.

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Why Take Out Life Insurance?

Get a Clear and Free Quote Today at Thelifesupermarket.com. Our partners are here to help you understand your options without pressure.

Protecting Your Loved Ones is Important.

Life insurance is designed to help provide financial security for your family if the unexpected happens. We understand that losing a main earner can cause significant financial strain, and a policy can offer regular payments or a lump sum to help ease this burden during a difficult time.

Options to Suit Your Family’s Needs.

You might prefer a single lump sum payout, which can be used to manage significant expenses like paying off a mortgage, covering educational costs, clearing debts, or handling funeral costs. It’s important to be aware that the average cost of a funeral in 2024 was £9,797, and a lump sum could help with these costs. - Source: SunLife (2024)

Thinking About the Future? Life Insurance Can Help You Leave a Legacy.

Life insurance can also be a way to support your loved ones in the long term or contribute to a charitable cause that’s important to you.

How much does high-risk life insurance cost?

It’s important to understand what can affect the cost of your life insurance.

Policy Type
Policies with higher potential payouts or extra features like critical illness cover may have higher premiums. Your expert will explain these options clearly so you can make an informed choice.
Your Circumstances
Factors like your age, smoking status, and lifestyle (for example, participation in high-risk sports) can influence your premium. Whether you’re in your 20s or over 50, a smoker or non-smoker, upir expert is here to help you compare options and find a policy that’s appropriate for your individual situation.

At Thelifesupermarket.com, our aim is partner you with an expert to help you explore suitable coverage options at a price that fits your budget

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