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Oil And Gas Workers Life Insurance

You may have found it difficult to secure life insurance with Oil And Gas Workers Life Insurance. But rest assured, The Insurance Surgery has over 25 years of experience finding suitable policies for our clients.

What Is Oil And Gas Workers Life Insurance?

The Insurance Surgery is a top insurance expert for people who are classed as non-standard by insurance providers because of their occupation, including Oil and Gas Workers life insurance, critical illness cover and income protection.

It is important to have insurance such as life insurance, critical illness cover or income protection to protect your family, especially if you have a hazardous job. There are many reasons why you should have a life insurance policy to protect your family against the unthinkable.

There are a number of potential outcomes for Oil and Gas Workers life insurance due to the levels of risk varying dramatically between roles, from Administration or Office Staff at one end to Commercial Divers and Boilermen.

It is possible to get an Oil and Gas Workers life insurance at standard rates which are the same as someone with no major issues, especially if you work onshore or have a low risk job. If your job is higher risk then you may find that you will pay more for your cover to reflect the increased risks.

Some of the key factors that will be assessed by underwriters when reviewing an application for Oil and Gas Workers life insurance are:

What is your jobs duties

How often do you work Offshore

Are your duties dangerous

Do you work with hazardous chemicals or machinery

What locations/countries do you work in

The other main areas which will determine how much your Oil and Gas Workers life insurance premiums will be are:

Sum assured (£’s)

Term of cover (years)

Type of life insurance cover

If you need more information or advice to get yourself and your family protected for Oil and Gas Workers life insurance then you should speak to one of our team of experts on 0800 083 2829.

How Oil and Gas Workers Life Insurance, critical illness cover and income protection works:

STEP 1

Complete form

STEP 2

Speak to us about your needs

STEP 3

We’ll search the market

STEP 4

We recommend the best product to suit your needs

STEP 5

Tell us when you want it to start!

Insurance underwriters will take your circumstances in to account when reviewing your application for Oil and Gas Workers life insurance, critical illness cover or income protection to make sure that your policy is suitable for you.

Roles for Oil and Gas Workers:

Administration Worker

Commercial Diving

Engineer

Machine Operator

There is a wide range of jobs and roles in these areas so if you need more help with your Oil and Gas Workers life insurance, critical illness cover or income protection then you should speak with one of our experts today.

Oil and Gas Workers critical illness cover

It is also usually simple to get an Oil and Gas Workers critical illness cover policy which can also be offered at standard rates where the role for lower risk roles. You will find that there will be additional information required for your application and especially where there is more hazardous duties such as diving, working at heights or working with hazardous materials.

You might also find that for more dangerous roles for Oil and Gas Workers critical illness cover that your premiums could increase to reflect the added risks involved or your policy could be offered with some exclusions. You should also note that your policy will usually be excluded from having Total and Permanent Disability cover.

Oil and Gas Workers income protection

It can be more difficult to get Oil and Gas Workers income protection because of the occupational risks of working at sea or with hazardous materials in a dangerous working environment.

There are some exclusions that will often apply to an Oil and Gas Workers income protection policy which will be more or less the same across the board for all insurers.

If you need help to get your quote for Oil and Gas Workers life insurance, critical illness cover or income protection cover then you should contact one of our team of experts on 0800 083 2829 for more information and a competitive quote.

Some of the major risks from an underwriting view for Oil and Gas Workers life insurance, critical illness cover and income protection are:

Your role (e.g. Gas or Oil)

Daily duties

Time spent offshore/onshore

Industry (e.g. Gas, Oil, Renewable etc.)

Locations

Do You Need Life Insurance?

If you’re the primary breadwinner or share financial responsibilities, a life insurance policy can help your family maintain their standard of living in the unfortunate event that you’re no longer around to support them.

Life Cover Terminology

Understanding life insurance terminology is essential for policyholders to make informed decisions about their cover, we have broken down the meaning for some of the most used terms.

Useful Links

At The Insurance Surgery, we are specialist life insurance providers for those who have congenital heart defects like coarctation of the aorta. We can help compare the market to find you the right insurance providers that can meet your needs while understanding the nature of your condition.

Why Choose The Insurance Surgery?

Rated ‘Excellent’ on Trustpilot.

We take pride in the experience that we offer, guaranteeing excellent service at all times.

25 years Experience.

With 25 years of specialist life and protection experience, we can find the perfect policy for you.

Access to a range of insurers.

With a broad selection of partners, we are well-equipped to find the best insurance deals for you.

Award-winning broker.

Known for making insurance simple, The Insurance Surgery is a trusted, award-winning broker.

Benefit from Our Life Insurance Policies Today.

Relax, knowing that your family can receive the financial support that they need after you pass, and trust The Insurance Surgery to guide you through the life insurance process. With 25 years behind us, we are a trusted broker known for our expertise, prioritising transparency, and providing excellent customer service. So, rely on us to ensure you receive the cover you need at a fair and affordable price.

For a life insurance quote, contact us today on 0800 083 2829 to schedule a free consultation and take the first step towards protecting yourself and your loved ones financially.

Understanding Inheritance Tax (IHT) and Life Insurance

Understanding how IHT works and the ways to mitigate its impact can help you plan and ensure that your loved ones don’t face unexpected tax bills.

How Much Does Life Insurance for HIV Cost?

Since the introduction of Highly Active Antiretroviral Therapy (HAART), premiums for those living with HIV have significantly reduced over the last 15 years. The amount you pay each month in policy premiums depends on your specific circumstances. When assessing your application, insurers will take into account factors such as your CD4 count and viral load.

Our experts will help you find the best deal to suit your needs and budget, taking the time to go through the different policies and discuss any concerns you may have.

For a clearer idea of the average cost of life insurance, visit our Guide.

Life Insurance with HIV Case Study 1

James is 31 years old and was diagnosed with HIV in 2017. He wanted to obtain both life insurance and critical illness cover to support his wife and child should anything happen.

We found James Life Insurance & Critical Illness Cover below:

Total Cover
Amount:

£40,000

Monthly Premium
Cost:

£22.41

Duration of
Policy:

30 years

Life Insurance with HIV Case Study 2

Jean is aged 45 and was diagnosed with HIV in 2011. She is keen to secure level life insurance for her and her partner.

We found Jean the Level Life Insurance below:

Total Cover
Amount:

£160,000

Monthly Premium
Cost:

£15.23

Duration of
Policy:

20 years

How much cover do you need?

You can use our Cover Calculator below to determine how much cover you need. Additionally, you will need to take into consideration the following:

Any outstanding debts

Mortgage/rent

Number of dependants

Take-home pay or income from other sources

Speak to our team of experts for FREE
specialist advice today.

Monday to Thursday:

9:00am – 8:00pm

Friday:

9:00am – 3:00pm

Facts About Life Insurance.

Life insurance can serve multiple purposes, including income replacement, wealth transfer, estate planning, and business succession. But how does life insurance shape up with the UK population?

7.5 million families

in the UK have no life insurance or critical illness cover.

£40,000

The average life insurance policy in the UK covers only about £40,000.

28%

of UK adults believe life insurance is too expensive.

96.9%

of all protection case claims were paid in 2024

Life insurance is unique – just like you.

Life Insurance for Parents

Life Insurance for Dads

Life Insurance for Sports & Hobbies

Life Insurance for Self-Employed

Income Protection

Life Insurance for Smokers

Price Promise.

Obtain a cheaper quote elsewhere, we’ll beat
the price and also give you a £50 gift card!*

We are committed to offering unbeatable prices. Our
Price Promise ensures that we will find you the right
cover for your circumstances.

Frequently Asked Questions

Can a person with HIV get life insurance?

Yes, absolutely. Due to the recent changes in life insurance underwriting for HIV, we have seen a number of previous restrictions lifted. We now have access to standard rates and ‘whole of life‘ cover with no term restrictions if you are living with HIV, your viral load is undetectable, and your CD4 count is high.

Does a HIV test affect life insurance?

Similar to other pre-existing medical conditions, if you are HIV positive, you will likely pay higher premiums than someone who isn’t. The exact amount depends on your personal circumstances, which will be assessed when you put forward your application.

Does life insurance cover HIV?

If you’ve recently been diagnosed with HIV but already have life insurance, it is well worth reviewing your existing cover, especially if it was obtained several years ago, as it is very likely that some changes could benefit you.

The Insurance Surgery also offers a free Annual Review service to all our existing / new clients. This means that we constantly make sure that you have the right cover for your ever-changing life and check for any changes in underwriting.

Do you offer advice on travel insurance with HIV?

Yes, we do! Use our partner’s Travel Insurance comparison tool to compare over 20 travel insurance quotes, all with your HIV covered, within just a few minutes and only having to input your information once.

How Can The Insurance Surgery Help?

Offering free advice, our experts are ready and waiting to offer protection advice on HIV life insurance policies that would best benefit your circumstances. With 25 years of experience, we’re a trusted broker and pride ourselves on making insurance simple.

We understand that finding life insurance can be tricky, especially when you have a pre-existing condition, so why not leave it to us? Give us a call today, and we’ll help you find the ideal policy that suits your needs and matches your budget.

For More Information, Check Out Our Latest Blogs

Stay informed with the latest updates in the insurance industry for 2025 here.

We aim to provide clear advice, breaking down the jargon, so you understand the importance of protection insurance.

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Oil And Gas Workers Life Insurance

What Is Oil And Gas Workers Life Insurance?

What is your jobs duties

How often do you work Offshore

Are your duties dangerous

Do you work with hazardous chemicals or machinery

What locations/countries do you work in

Sum assured (£’s)

Term of cover (years)

Type of life insurance cover

How Oil and Gas Workers Life Insurance, critical illness cover and income protection works:

Administration Worker

Commercial Diving

Engineer

Machine Operator

Oil and Gas Workers critical illness cover

Oil and Gas Workers income protection

Some of the major risks from an underwriting view for Oil and Gas Workers life insurance, critical illness cover and income protection are:

Life Cover Terminology

Useful Links​

Why Choose The Insurance Surgery?

Rated ‘Excellent’ on Trustpilot.

25 years Experience.

Access to a range of insurers.

Award-winning broker.

Benefit from Our Life Insurance Policies Today.

How Much Does Life Insurance for HIV Cost?

For a clearer idea of the average cost of life insurance, visit our Guide.

Life Insurance with HIV Case Study 1

Total Cover Amount:

£40,000

Monthly Premium Cost:

£22.41

Duration of Policy:

30 years

Life Insurance with HIV Case Study 2

Total Cover Amount:

£160,000

Monthly Premium Cost:

£15.23

Duration of Policy:

20 years

How much cover do you need?

Any outstanding debts

Mortgage/rent

Number of dependants

Take-home pay or income from other sources

Speak to our team of experts for FREE specialist advice today.

Monday to Thursday:

Friday:

Facts About Life Insurance.

7.5 million families

in the UK have no life insurance or critical illness cover.

£40,000

The average life insurance policy in the UK covers only about £40,000.

28%

of UK adults believe life insurance is too expensive.

96.9%

of all protection case claims were paid in 2024

Life insurance is unique – just like you.

Life Insurance for Parents

Life Insurance for Dads

Life Insurance for Sports & Hobbies​

Life Insurance for Self-Employed

Income Protection

Life Insurance for Smokers

Price Promise.

Obtain a cheaper quote elsewhere, we’ll beatthe price and also give you a £50 gift card!*

Frequently Asked Questions

For More Information, Check Out Our Latest Blogs

Monday to Thursday:

Friday:

Useful Links

Total Cover
Amount:

Monthly Premium
Cost:

Duration of
Policy:

Total Cover
Amount:

Monthly Premium
Cost:

Duration of
Policy:

Speak to our team of experts for FREE
specialist advice today.

Life Insurance for Sports & Hobbies

Obtain a cheaper quote elsewhere, we’ll beat
the price and also give you a £50 gift card!*