If you are a professional football player, you should have life insurance to protect yourself. Muscular strains and stresses, fractures and sprains are common injuries in professional football players, and can render them unable to play while they recover.
Underwriting for professional football players seeking life insurance cover will depend on the following factors. Insurers may request more details on the following:
- How long you have been playing football
- The professional level you are playing at
- Your physical health and fitness level
- Details of medications you are taking
- Details of injuries you have sustained
- Whether you have sustained injuries that have made you unable to play for long periods of time
Applications for professional football player life insurance will generally be accepted on standard terms by many insurers, but if you have an underlying health condition and a history of football-related injury that stopped you from playing, an insurer may want to discuss your application with you in more detail to determine the element of risk. For instance, an insurer may request a report from a GP, further details of medications you are taking, and any football-related injuries you sustained. At The Insurance Surgery, we have helped many professional footballers find the right life insurance cover for their requirements.
There are a number of additional factors that could affect your professional football player life insurance premiums. These are:
- Age
- If you smoke
- Your general health and lifestyle
- Family medical history