Protect Direct Online - Leaders in the field of key man and inheritance life insurance 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

Large amounts.

Large sums assured

Usually required for key man or inheritance tax cover, these larger amounts are normally over £2 million and can pose special problems requiring special solutions.

Rather than adopting a "one size fits all" solution, Protect Direct offers a personal service to tailor the most appropriate product to your requirements.

The process and the pitfalls

A high level of cover for a single applicant requires the life office to obtain Re-Assurance terms in order to spread their exposure to risk. If you endeavour to obtain “best terms” by using multiple applications you can in fact prejudice your own case as simultaneous applications can be taken into account by underwriters.

These cases are therefore considered non-standard, or impaired risk, due to the financial underwriting expertise required and the varying levels of Re-Assurance used by different Insurance Companies.

The Protect Direct Difference

However, the basic aim of financial underwriting is not to restrict the amount of key man or inheritance tax cover you require, but merely to ensure, as far as possible, that the sum assured matches your status and insurable interest - depending on the reason for the cover.

In recognition of this fact our one application - multiple provider approach is designed to marry the expectations of high net worth individual and corporate buyers to the most flexible products solutions at the very best terms.

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 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

Risk selection
The decision will often need to be supported by medical evidence in addition to the information already supplied by the applicant. Following classification of the risk, terms are offered which may be standard or non-standard.

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


Our other specialist life insurance cover includes ....

Over 50's life insurance

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

Read more about over 50 life insurance

Hazardous pastimes

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

Read more about dangerous sport life insurance


Do you have a  dangerous occupation such as HM armed forces or North Sea fishing?

Read more about dangerous occupation and armed forces life 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