If you’ve been told your life insurance premiums will be two or three times higher than standard—or worse, you’ve already been declined—you know how frustrating it feels. You want to protect your family’s financial future, but the process keeps throwing up roadblocks.
At Maple Bay, we help people in exactly this situation every day. Whether you:
Work in a dangerous profession like commercial fishing, logging, or aviation
Enjoy extreme sports such as skydiving, rock climbing, or motorsport racing
Manage a medical condition like diabetes, heart disease, or cancer
…you still have options for coverage. High risk life insurance exists specifically to protect people in your circumstances.
Insurance companies assess whether you’re more likely to make a claim sooner than average, based on factors such as:
Hazardous occupations – Mining, logging, fishing, construction at heights or underground, aviation.
High-risk hobbies – Frequent skydiving, scuba diving below 100 feet, mountain climbing, motorsport racing.
Medical history – Cancer, heart disease, HIV (with specific treatment requirements), diabetes.
Lifestyle and background – Smoking, heavy alcohol use, certain criminal histories, recent legal issues, or frequent travel to dangerous regions.
These factors don’t automatically mean you can’t get coverage—they just mean the insurer will approach your policy differently.
We’re independent brokers—not tied to one insurer—so we work for you, not the insurance company.
Access to multiple insurers who specialise in high-risk applicants
Experience with complex cases from dangerous jobs to chronic health conditions
Tailored solutions to match your needs, risk factors, and budget
Behind every high-risk application is someone who simply wants peace of mind. We’re here to make sure you get it.
