What is high
risk life insurance?
High risk life insurance is like a suit of
clothes. Unfortunately, while standard rates are the “off the
peg” equivalent, some of us need clothes that are made to
Luckily, life insurance cover can also be
“made to measure” if you are considered high risk due to
issues concerning your
The standard premiums for life
cover are based on your age and gender - assuming average health and life expectancy. However, if you
have a medical condition, or if your occupation or
considered hazardous, you may not be eligible for standard
rates of premium and therefore require non-standard, or high risk life insurance.
If a very large sum assured is
required (normally over £2M for
Key Man or Inheritance
Tax insurance), an IFA will usually use the multiple
application process. These cases are also non standard risk,
due to the financial underwriting
required and the varying levels of Re-Assurance used by
different Insurance Companies.
Protect Direct Online offer?
Protect Direct Online is a specialist
independent brokerage offering a time and cost effective way to
find high life insurance for individuals who are deemed to be high risk by the insurance industry - whether because of
their medical history, lifestyle or the need for a large sum
How does the service work?
If you are having (or think you will) difficulty in obtaining
life insurance, or you need a large amount of cover, all you will need to
do is complete one simple questionnaire, and where relevant a
You then forward it to us for
assessment and underwriting.
We will then advise you if any medical
evidence is needed and make the necessary arrangements. Once this
has been received the case will be reviewed by a specialist panel and
working days we will be able provide you with details of the best terms
How much will the
service cost me?
Nothing. Protect Direct will pass all incurred costs on to the successful
insurance provider, including any medical and underwriting fees.
If you chose No Win no fee and we can’t 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.)
Your 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 individual 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
firstname.lastname@example.org, or telephone us direct on 0800
587 7043 between 9.00am - 9.00pm, Monday to Friday.
(NB. Protect Direct Online is a trading