Choose high risk risk life insurance from the experts - 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

High risk life insurance

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 measure.

Luckily, life insurance cover can also be “made to measure” if you are considered high risk due to issues concerning your  health or  occupation.

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 sport is 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.

What can 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 assured.

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 supplementary form.

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 within five working days we will be able provide you with details of the best terms available.

How much will the service cost me?

Nothing. Protect Direct will pass all incurred costs on to the successful life 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, 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


Our other specialist life insurance cover includes ....

Impaired life annuity

Were you looking for impaired life insurance or an impaired life annuity?

Read more about impaired life annuities

High risk medical

Difficulty obtaining life insurance due to health issues including heart disease, raised blood pressure or cholesterol?

read more about high risk life insurance

Hazardous pastimes

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

Read more about dangerous sport and hazardous pastime insurance
  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