For armed forces and occupational life insurance visit Protect Direct Online Call 0800 587 7043 24 hours a day
Over 50 Life Insurance High Risk Life Insurance Inheritance Tax Insurance High Risk Health Insurance Armed Force Life Insurance Dangerous Sport Insurance Impaired Life Insurance


Why do you need occupational life insurance?
How we differ in our approach
What does the service cost?
The next step

Why do you need occupational life insurance?

Certain risks are associated with certain occupations. The world is a dangerous place and occupational risks are not the sole preserve of the armed forces - they could be increased just by travelling overseas, even if your occupation carries no inherent risk. Many occupations fall into this high risk category, including;

Armed Forces
North Sea Oil
North Sea Fishing
Commercial Aviation

(NB This list is not of course exclusive)

The reason these cases are non standard is due to the financial underwriting expertise required and the varying levels of Re-Assurance used by different Insurance Companies.

How we differ in our approach

Protect Direct Online is a specialist independent brokerage offering the most time and cost effective method to locate impaired life insurance for individuals involved in the armed forces or high risk occupations.

What does the service cost?

Nothing. Protect Direct will pass all incurred costs on to the successful life insurance provider, including any medical and underwriting fees.

If you choose No Win no fee and we canít place your business - there's no charge.

(NB. Our no win no fee service is funded by commission from the successful provider - but only if we manage to place your case. We can also offer a fee based service where we charge irrespective of the results.)

The next step

Protect Direct Online offers a truly personal service and we won't ask you to complete any forms until we have discussed your occupation and requirements and you have decided to proceed.

So, simply complete the form on the right of this page, provide us with your name and phone number and we'll call you back at your convenience - at our cost.

Alternatively, email us at, or telephone us direct on 0800 587 7043 between 9.00am - 9.00pm,  Monday to Friday.

(NB. Protect Direct Online is a trading style of Temple Bar Ltd)

High Risk Life Insurance

Risk selection
Following classification of the risk, terms are offered which may be standard or non-standard.
Possible terms are:
• Basic premium rate
• An extra premium in addition to the basic rate
• Exclude a specific condition or activity
• Postpone the cover for a set period of time
• Decline the cover all together
• Decline

(NB. It is important to remember that, despite all our efforts, some cases will remain uninsurable and we will do our best to identify these at an early stage.)


Our other specialist life insurance cover includes ....

Hazardous pastimes

Do you enjoy hazardous pastimes like scuba diving,  flying or winter sports?

Read more about hazardous pastime and dangerous sport life insurance

High risk medical

Difficulty obtaining life insurance due to diabetes, stoke, heart disease, raised blood pressure or cholesterol?

Read more about high risk health insurance

Over 50's life insurance

Life insurance cover for the over 50's, 60's and senior citizens.

Read more about life insurance for the over 50s and 60s
  disclaimer | data protection | copyright  
Protect Direct Online is a trading style of Templebar Independent Financial Advice Ltd, Independence House, 4 Beckett Road, Worcester, WR3 7NJ
Templebar Independent Financial Advice Ltd is authorised and regulated by the Financial Services Authority
Entered on the FSA Register under reference 401740.  Registered in England and Wales company number 3711518