Footballers & Life Insurance

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Footballers & Life Insurance

Getting life insurance for a professional footballer shouldn’t be too difficult as staying fit and healthy is very favoured by insurers. However, the type of insurer that is used for your life insurance, is really key to getting you a good price.

Extensive or regular travel outside of the UK can change your options for life insurance quickly. You might be able to get life insurance with a UK insurer, but you might need to apply to an international provider.

To make sure that we get the right insurer for you, our advisers may ask:

Do you often travel outside the UK to play football?
if you travel abroad to play football, how often are you doing so and where are you going?
Have you received any serious injuries in the past few years, that have prevented you from working?

Life insurance may be offered at standard terms for a professional footballer. Travel outside of the UK up to a week for work, shouldn’t have much of an affect on your life insurance application.

If you travel often and/or for long periods of time it’s quite likely that a more specialist insurer will be needed for your life insurance.

Our award winning advisers are here to give you peace of mind with the right life insurance policy, so that if the worst happens, your loved ones will be taken care of.

Footballers & Critical Illness Cover

Critical illness cover pays out a cash lump sum of money, if you are diagnosed with a medical condition that is listed in the insurer’s claims set e.g. cancer, heart attack, stroke.

Applications for critical illness cover may be available to professional footballers, but your travel is a big factor in what you can get. Critical illness cover has stricter eligibility than life insurance and if you are outside of the UK a lot, UK insurers can soon say they won’t accept your application.

Your critical illness cover is unlikely to include Total Permanent Disability, which is usually offered with this type of policy. This one claimable condition is linked to your ability to ever work in your specific occupation ever again. It doesn’t take much for you to have an injury or illness that doesn’t allow you to ever play football again.

If critical illness cover is not available to you with a UK insurer, we can look at international insurers for you.

Our expert advisers are trained to find the critical illness policy that matches you and your needs, so that if you are diagnosed with a critical illness, you can focus upon you rather than worrying about money.

Get a Critical Illness Cover Quote

Footballers & Income Protection

Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.

Unfortunately, it is very unlikely that you will get income protection with you being a professional athlete. Being a professional footballer is seen as very high risk for income protection. The reason for this is because if you have an injury or illness, you will be signed off from work far quicker than say an office worker. Your ability to work is strongly entwined with your physical health.

There are career ending injury insurances available we can offer you which may work well for your needs.

Protecting your income is one of the most important things that you can do to protect your financial future and our award winning advisers are here to sort it for you.

Get an Income Protection Quote

Footballers & Travel Insurance

We work alongside a specialist travel broker to get you the travel insurance that you need. It is even more important to make sure that seek advice if you are regularly travelling outside of the UK to see your clients. To find out more, please visit our travel page here.

Possible Risks

Broken bones
Dislocations
Muscle strain
Concussions
Developing arthritis
Unhealthy lifestyle environments e.g. excessive alcohol, drug use
Increased risk of neurological conditions e.g. Parkinsons, Alzheimers
Stress, anxiety, depression

Occupational Duties

Training and preparation
Tactical analysis
Media and public relations activities
Maintaining physical fitness
Mentorship
Working as part of a team
International travel

Client Reviews

Cura Financial Services has been rated 5 out of 5 based on 904 reviews.

Review by Gary on 17th March 2026

“Alan was very thorough in understanding our needs, which lead to a switch in provider and a £10k saving on a like for like policy. Highly recommended.” - 5 

You can read more of our reviews here.

Theodore Knowles

Author
This page was written by Theodore Knowles under the guidance of Dr Kathryn Knowles Phd, an award-winning insurance adviser. To read more about Kathryn please see her bio here

Client Reviews

"Alan and his team were great! Alan helped get me cover where my own company could not (I work in financial services too!) Would highly recommend and will come back in the future."

"Krystle was fantastic throughout and managed to knock almost 50% off my current life insurance premium."

"Leanne couldn't have been more helpful and thoughtful with her questions and work on my enquiry."

"Kathryn and her colleagues were very helpful because of my recent illness."

"Nick was my advisor, Excellent knowledge of products and what I needed, not just pushing me into a sale/policy, will always refer to him in the future."

"I would like to say a very big thank you especially to Amy you really went above and beyond."

"Annaliese was absolutely fantastic, making us both feel at ease and helping us navigate issues that had caused us problems with previous attempts to obtain insurance."