Protect Direct Online - Leaders in the field of impaired risk 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

Relax. We've got it covered.

What is impaired risk life insurance?

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 have health or occupation issues or require a large sum assured - normally over £2M for Key Man or Inheritance Tax insurance.

Standard premiums for life cover are based on the age and gender of an individual deemed to have 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 and require non-standard, or impaired risk life insurance.

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

What does Protect Direct Online offer?

Protect Direct Online is a specialist independent brokerage offering the most time and cost effective method to locate impaired life insurance for individuals deemed special risks by the insurance industry - because of their medical history, lifestyle or the need for a large sum assured.

How does the service work?

If you have had (or believe you will have) 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 does the service cost?

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.)

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)


Benefit from:

• A sympathetic, efficient and professional service.

• A simple process - in plain English.

• One set of forms to complete - no multiple applications.

• Faster application to get you "on risk" sooner.

• The chance to benefit from the best rates available.

• A reduced likelihood that your case will be rejected.




Our specialisms include cover for ....

Hazardous Pastimes

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

Read more about dangerous sports insurance

High risk medical.

Difficulty obtaining life insurance due to diabetes, stoke, heart disease, raised blood pressure or cholesterol?

Read more about high risk health insurance

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
  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
The guidance and advice contained within this website is subject to the UK regulatory regime and is therefore primarily
targeted at consumers based in the UK.