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Life insurance and other coverages for Commercial Divers

As a commercial diver, what you do is a very important and dangerous work. That's why it's crucial that you have peace of mind as you work. Read on to find out how we can help you achieve that by protecting your family while you undertake your higher-risk commercial diving work.
WeCovr prides itself on helping people employed in higher-risk occupations to get life insurance, income protection, critical illness and other important insurance covers. At WeCovr we know that you want to be known as a responsible spouse and parent to your family. In order to do that you require insurance.
The problem is you might think you don't qualify, or worse, you believe you can't afford it and this makes you feel defeated and frustrated. We believe every person should have access to affordable life insurance that prevents their families from financial devastation should they die or get injured or critically ill.
We understand the weight of this responsibility. We've been helping families get affordable insurance for years. You, too, deserve to have that additional comfort from knowing that your dependents are protected should the worst happen to you or should you be affected by illness or injury.
Commercial diving is viewed as a hazardous occupation, and insurance premiums vary depending on which activities you undertake on a daily basis.
Some of the industries where Commercial Diving professionals operate include:
  • Oil and gas industry
  • Construction industry
  • Telecoms
  • Emergency services
  • Military
WeCovr helps Commercial Divers get great insurance coverage because we are not limited to the services of any single insurance company. Our experts will analyse your requirements and connect with a wide network of underwriters that specialise in high-risk occupations, therefore getting you the most competitive quote.

Why is commercial diving seen as a high-risk profession by insurers?

Unlike recreational divers, Commercial Divers typically operate at extreme depths. While a recreational diver may dive to 40 meters or 135 feet, Commercial Divers can easily do important oil and gas work at depths of up to 600 meters or 2000 feet. Far from recreattional pleasant shallow dives arond coral reefs, they are working in cold waters and heavy gear fixing rigs and replacing cables at very large depths for any human to operate on.
As a result of such extreme conditions, Commercial Divers are particularly vulnerable to contracting serious conditions such as:
  • Pulmonary barotrauma
  • Nitrogen narcosis
  • Generalised barotrauma or caisson disease
  • Hypothermia
  • High-pressure nervous syndrome
  • Dysbaric osteonecrosis
This is just a partial list which explains why insurers are having to adjust insurance premiums to higher levels for people engaged in Commercial Diving compared to jobs in an office setting in other industries.

What information should I prepare for my Commercial Diving Life Insurance cover?

As a Commercial Diver you will want to have a quote as competitive and best value-for-money as possible for your important occupation. This is also our goal for you, which is why we will need to go through a fact-finding list of questions with you that insurance underwrite will want to know:
  • Duration and frequency of dives
  • Typical diving depth
  • Sectors where you operate
  • What equipment you use
  • Your qualifications
If you are a Commercial Diver and need life insurance or related coverages, WeCovr's award-winning FCA-authorised adviser panel will be happy to help.

Critical Illness Cover for Commercial Divers

Critical Illness Cover for Commercial Divers is designed to pay out a lump sum if you have to go through a medical procedure or are diagnosed with a critical illness and survive at least ten days from diagnosis. The lump sum amount is to assist dependents financially while letting you concentrate on your diagnosis and recovery without having to worry about finances.
Your question here may also include:
  • Do you use of explosives?
  • Any other hazardous materials handled?
  • Do you dive using mixed gas?
  • What locations and depths do you work in?
The list of illnesses that are part of critical illness cover includes but are not limited to some of the following:
  • Alzheimer’s disease
  • Blindness
  • Multiple Sclerosis
  • Some types of cancer
  • Heart attack
  • Stroke

Income Protection Cover for Commercial Divers

As a Commercial Diver, you're performing a well-paid work because of its higher-risk nature. So if you are unable to work due to injury or illness, you may also benefit from having an income protection cover in place. It will provide a regular income for an agreed period. For an income protection cover for a commercial diver, WeCovr's experts will need to know your financial and monetary circumstances, such as:
  • What level of income will you require and your monthly income after tax
  • Your mortgage or rent payments as well as other costs of living
  • Any debts and income of any dependents
To provide an accurate quote and offer you best value-for-money insurance plans, WeCovr's insurance partners will need to ask several questions, including:
  • How long do you want your policy to last?
  • Do you want level or decreasing cover?
  • Do you want to add a terminal benefit to your critical illness cover?
Get a free, no-obligation quote today for Commercial Divers Insurance cover – protect your family! It's important for everyone and especially when you undertake high-risk Commercial Diving work!

What is Life Insurance?

Life insurance is an insurance policy that can provide financial support for your loved ones when you or your joint policy holder passes away. It can help clear any outstanding debts, such as a mortgage, and cover your family's living and other expenses such costs of education, so your family can continue to pay bills and living expenses. In addition to life insurance, insurance providers offer related products such as income protection and critical illness, which we will touch upon below.

How does it work?

Life insurance pays out if you die. The payout can be in the form of a lump sum payment or can be paid as a replacement for a regular income. It's your decision how much cover you'd like to take based on your financial resources and how much you'd like to leave to your family to help them deal with any outstanding debts and living expenses. Your premium depends on a number of factors, including your occupation, health and other criteria.

The payout amount can change over time or can be fixed. A level term or whole of life policy offers a fixed payout. A decreasing term policy offers a payout that decreases over the term of the cover.

With critical illness policies, a payout is made if you’re diagnosed with a terminal illness with a remaining life expectancy of less than 12 months. While income protection policies ensure you can continue to meet your financial commitments if you are forced to take an extended break from work. If you can’t work because you’ve had an accident, fallen sick, or lost your job through no fault of your own, income protection insurance pays you an agreed portion of your salary each month.

Income protection is particularly helpful for people in dangerous occupations who want to be sure their mortgage will always be covered. Income protection only covers events beyond your control: you’re much less likely to be covered if you’re fired from your job or if you injure yourself deliberately.

Questions to ask yourself regarding life insurance

Just ask yourself:
👉 Who would pay your mortgage or rent if you were to pass away or fall seriously ill?
👉 Who would pay for your family’s food, clothing, study fees or lifestyle?
👉 Who would provide for the costs of your funeral or clear your debts?
👉 Who would pay for your costs if you're unable to work due to serious illness or disability?

Many families don’t realise that life, income protection and critical illness insurance is one of the most effective ways to protect their finances. A great insurance policy can cover costs, protect a family from inheriting debts and even pay off a mortgage.

Many would think that the costs for all the benefits provided by life insurance, income protection insurance or critical illness insurance are too high, but the great news is in the current market policies are actually very inexpensive.
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One of the most effective ways to protect family's finances

Many UK families still don’t realise that life, income protection and critical illness insurance is one of the most effective and efficient ways to protect their family's finances

Benefits offered by life insurance

Life insurance, income protection and critical illness insurance are indispensable for every family because a child loses a parent every 22 minutes in the UK, while every single day tragically 60 people suffer major injuries on the UK roads. Some people become unable to work because of sickness or disability.

Life insurance cover pays out a lump sum to your family, loved ones or whomever you choose to get the money. This can be used to secure the financial future of your loved ones meaning they would not have to struggle financially in the event of your death.

If it's a critical illness cover, the payout happens sooner - upon diagnosis of a serious illness, disability or medical condition, easing the financial hardship such an event inevitably brings.

Income protection insurance can be very important for anyone who relies on a pay check to cover their living costs, but it's especially important if you’re self-employed or own a small business, where your employment and income is a bit less stable. It pays a regular income if you can't work because of sickness or disability and continues until you return to paid work or you retire.

Types of life insurance policies

Common reasons for getting a life insurance policy are to:
✅ Leave behind an amount of money to keep your family comfortable
✅ Protect the family home and pay off the mortgage in full or in part
✅ Pay for funeral costs

Starting from as little as a couple of pounds per week, you can do all that with a Life Policy.

Level Term Life Insurance
One of the simplest forms of life insurance, level term life insurance works by selecting a length of time for which you would want to be covered and then deciding how much you would like your loved ones to receive should the worst happen. Should your life insurance policy pay out to your family, it would be in a lump sum amount that can be used in whatever way the beneficiary may wish.

Decreasing Term Life Insurance
Decreasing term life insurance works in the same way as level term, except the lump sum payment amount upon death decreases with time. The common use for decreasing term life cover is to protect against mortgage repayment as the lump sum decreases along with the principal of the mortgage itself.

Increasing Term Life Insurance
Increasing term life insurance aims to pay out a cash sum growing each year if the worst happens while covered by the policy. With increasing term life cover amount insured increases annually by a fixed amount for the length of the policy. This can protect your policy's value against inflation, which could be advantageous if you’re looking to maintain your loved ones’ living standards, continue paying off your mortgage in line with its repayment schedule and cover your children’s education fees.

Whole of Life Insurance
Whereas term life insurance policies only pay out if you pass away during their term, whole of life insurance pays out to your beneficiaries whenever this should happen. The most common uses for whole life insurance are to cover the costs of a funeral or as a vehicle for your family's inheritance tax planning.

Family Income Benefit
Family income benefit is a somewhat lesser-known product in the family of life insurance products. Paying out a set amount every month of year to your beneficiaries, it is the most cost-effective way of maintaining your family's living standards to an age where you'd expect them to be able to support themselves financially. The most common use would be for a family with children who are not working yet so are unable to take care of themselves financially.

Relevant Life Insurance
Relevant Life Insurance is a tax-efficient policy for a director or single employee. A simple level term life insurance product, it is placed in a specific trust to ensure its tax efficiency. The premiums are tax deductible and any benefit payable should a claim arise is also paid out tax free, which makes it an attractive product for entrepreneurs and their businesses.
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No one knows when exactly they need life insurance, and when they do, it might be too late

As with other financial decisions in life, it pays to start early. Speaking to award-winning FCA-authorised advisers is one of the best steps you can take to secure a great insurance plan for your family with minimal hassle

Why is it important to get life insurance early?

👉 Many people are very thankful that they had their life, income protection, and critical illness insurance cover in place before running into some serious issues. Critical illness and income protection insurance is as important as life insurance for protecting your family's finances.

👉 We insure our cars, houses, bicycles and even bags! Yet our life and health are the most precious things we have.

Easily one of the most important insurance purchases an individual or family can make in their lifetime, the decision to buy life, income protection, critical illness and private medical health insurance can be made much simpler with the help of FCA-authorised advisers. They are the specialists who do the searching and analysis helping people choose between various types of life insurance policies available in the market, including income protection, critical illness and other types of policies most suitable to the client's individual circumstances.

It certainly won't do any harm if you speak with one of our award-winning FCA-authorised insurance partner experts who are passionate about advising people on financial matters related to life insurance and are keen to provide you with a free consultation.

You can discuss with them in detail what affordable life, income protection, critical illness or private medical health insurance plan for the necessary peace of mind they would recommend! WeCovr works with some of the best advisers in the market.

By tapping the button below, you can book a free call with them in less than 30 seconds right now:

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What do I need to get a life insurance quote?

To get a life insurance quote, you’ll just need to tell us:

  • your name
  • date of birth
  • whether you are a smoker or use nicotine substitutes
  • who do you want to protect
  • and your preferred contact details

The options our advisers provide will also address extras you might want to consider, such as critical illness or income protection cover

It's as easy as 1, 2, 3!

1. Fill out a quick form


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2. Receive a call


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3. Get Protected!


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Any questions?

Why should I get life, income protection and critical illness insurance?

Life, income protection and/or critical illness insurance is a safety net, very important at a difficult time. If anything happened to you before your cover ends, your life or critical illness insurance would pay a lump sum to your family and/or you (if you took a critical illness or income protection cover) to help cover the losses. Being diagnosed with a critical illness can be devastating and it won't help matters to be also worrying about how you would cope financially. With a life, income protection or critical illness policy, you can choose how much cover you need, how you want the policy to pay out and whether you want cover for both you and your partner. Income protection insurance pays you a regular income if you can't work because of sickness or disability and continues until you return to paid work or you retire. Also known as permanent health insurance, it is quite important for anyone who relies on a paycheck to cover their living costs, but it's particularly important if you’re self-employed or own a small business, where your income might be a bit less stable.

Life, income protection and critical illness insurance pays out millions to families every day. Your expert will explain to you that you need to be honest and open when applying for your insurance.

If you’re single with no dependants then it may be that you don’t need life assurance. However, if you were to become seriously ill and unable to work, you may benefit from a critical illness or income protection policy. They can help you keep up to date with your rent, bills, food and other expenses.

It's free to use WeCovr to find life, income protection and critical illness insurance - we never charge you for quotes. Critical illness, income protection and life insurance is an investment that pays many times over for you and/or your loved ones.

Life, income protection and critical illness insurance is an important financial product that insurance companies take a lot of care and diligence so speaking to real human beings ensures that they understand your requirements fully so that you can get the right cover.

All of our partners are carefully vetted and authorised by the FCA, which means they are held to the highest standards that the FCA expects from them and treat all customers fairly!

Our insurance partners give us a few pounds when you take out a policy with one of their experts.


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Get free advice about the best life insurance for you

We work with only FCA-authorised and even award-winning insurance brokers, who will only recommend products that are suitable for you. They search the whole market, including large well-known brands and smaller insurance providers, so you can get the best coverage at the right price.

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Who Are WeCovr?

WeCovr is an insurance specialist for people valuing their peace of mind and a great service.

👍 WeCovr will help you get your life insurance, critical illness insurance, private medical health insurance, over-50s funeral insurance and senior life insurance quote in no time thanks to our wonderful super-friendly award-winning partners ready to assist you every step of the way.

Just a quick and simple form and an easy conversation with our FCA-authorised life insurance, critical illness insurance and private medical insurance partner experts and your valuable insurance policy is in place for that needed peace of mind! Just tap or click the button below to book your FREE consultation now! 👇

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WeCovr provides a a convenient place for families and individuals to get life insurance, critical illness insurance and private medical health insurance quotes from FCA authorised brokers and insurers. Since 2011 we've helped over thousands of insureds towards protecting themselves against various risks, including life insurance, critical illness insurance and private medical health insurance. Reference Child Bereavement Network estimates that very 22 minute a child in the UK loses a parent they depend on financially. At the same time, only about 30% of households hold life insurance.

WeCovr assists its customers in finding quotes for life insurance, critical illness insurance and private medical health insurance by introducing them to FCA authorised companies. The content of this site is meant to be informational, and it should not be considered financial advice.

Political And Credit Risks Ltd is a registered company in England and Wales. Company Number: 07691072. Data Protection Register Number: ZA207579. Registered Office: 21 Hemp Walk, London, SE17 1PF. WeCovr is a trading style of Political And Credit Risks Ltd. Political And Credit Risks Ltd is Authorised and Regulated by the Financial Conduct Authority and is on the Financial Services Register under number 735613.