Professional Sports Life Insurance

Many professional sports people looking for life insurance will generally speak to their IFA or agent in the first instance to try to place cover. In some cases it may not be possible to find cover down this route due to the increased risk and possible restrictions such as a panel of insurers to choose from or less protection expertise than is required.

When looking for life insurance, critical illness cover or income protection for a professional sports person it is important to know which insurance providers to deal with and who are the best underwriters.

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Examples of Sports

Types of sports we cover:

Footballers
Rugby players
Cricketers
Golfers
Motor sports (e.g. car and bike racing)
Tennis players

We have covered a number of types of professional sports people for life insurance, critical illness cover and income protection so call for more information.

How it works

Life insurance for professional sports people is usually underwritten in the same way as other high risk occupations, however other factors will be taken in to account such as:

Level of cover / sum assured (usually higher than average)
Sport (professional)
Medical history
Any other extreme sports (hobby / recreational)
Type of cover (Life Insurance, Critical Illness or Income Protection)

The Insurance Surgery is a leading life insurance, critical illness cover and income protection specialist for professional sports people and other hazardous occupations.

Since 1999 we have worked with a number of high profile professional sports people looking for life insurance and other protection products to give them and their family financial security.

Life Insurance for Professional Sports

Professional sports people looking for life insurance will generally find that they are able to obtain cover and often at standard rates without any increase to premiums. The key factor to determine the life insurance premium that you pay will usually be whether your sport is classed as high risk.

Low risk professional sports examples:

Football
Cricket
Golf
Tennis

High risk professional sports examples:

Motor sports
Rugby
Horse racing
Boxing / Fighting

Our team of life insurance experts will know which insurance providers will offer the best cover for your professional sport and we aim to save you money.

Some professional sports people may have been declined life insurance in the past but this does not necessarily mean that you are uninsurable. Speak to one of our specialist life insurance advisors for more information.

Critical Illness Cover for Professional Sports

Professional sports people looking for critical illness cover will be considered on a similar basis to life insurance and is also generally available and often at standard rates. Generally it is the level of cover that will mean that medical evidence will be required for professional sports critical illness cover due to financial limits. Most insurance providers will require additional evidence for critical illness cover where the amount of cover being applied for is over £500,000.

If your professional sport is classed as high risk for critical illness cover underwriting then you may find that an occupational exclusion will be applied. It is also common to find that a large number of professional sports people also take part in other sporting activities which may be classed as extreme sports for critical illness cover.

Income Protection for Professional Sports

Anyone taking part in professional sports looking for income protection will find that cover will generally not be available through main or high street insurance providers.

The main issue for income protection with professional sports people is that the sums assured are often high and require specialist underwriting due to additional risks.

About Professional Sports

There are a wide range of different types of professional sports as we all know, from highly common sports to far less well known sports (e.g. Lacrosse, Polo, Ice Hockey etc.).

Professional sports can also vary wildly in terms of the level of sports from full time professional to part time sports people.

The Insurance Surgery also works with a number of professional sports agents or Independent Financial Advisors with professional sports clients. Our IFA Support Centre is a great place to find out more about how we work and the favourable commission terms that we offer to take all of the work away from you.

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Professional Sports Life Insurance