How Do Insurers View Sports and Hobbies When Applying for Life Insurance and Income Protection?

When you apply for life insurance or income protection, you will probably expect questions about your health, occupation, income and lifestyle.
But you may be surprised to find that insurers can also be very interested in your sports and hobbies.
You might not consider your hobby to be particularly risky. You may have been doing it safely for years without having an accident and you know all the steps that you take to make sure you are as safe as possible.
However, insurers can look at things differently. They are assessing the potential risk associated with the activity and how that could affect the likelihood of a claim. It’s not necessarily a comment on you, it’s the environment that you are in.
This means that something you consider to be a normal hobby could potentially affect your life insurance premium or the terms available on an income protection policy.