Karate Instructors & Life Insurance
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Karate Instructors & Life Insurance
If you are a karate instructor, the best life insurance for you will depend on a number of different factors.
You may be able too secure life insurance at standard rates with no difficulty, or you might have to go down the specialist route. It all depends upon the specific things that you are doing.
To double check if insurers will see your work as risky or not, our advisors may ask:
- Do you ever work at heights or do stunt work?
- Do you compete?
- Is your work in the UK or abroad?
- How often are you full contact sparring?
Life insurance for karate instructors will vary drastically, depending on the specifics of your role. Teaching beginners and children at the local dojo, is very different to doing karate in the air whilst your training actors for that epic new film.
Most of the time life insurance should be available at normal rates, which means the basic pricing. But there can be times that insurers see the specifics of your work as a bit too risky. If this is the case we have specialist insurers that we can approach for your life insurance, so that you know that your loved ones are protected.
Our advisers are here to help you find the right insurer to match your circumstances, to get you the best terms possible.
Karate Instructors & 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.
Critical illness cover for karate instructors may be available at standard rates, so long as you don’t do things that the insurer sees as super risky. A lot of your work as a karate instructor doesn’t increase the risk of some claims for critical illness cover, but it can increase the risk of claims for traumatic head injury, coma and total permanent disability.
You may find some insurers exclude total permanent disability from your critical illness cover, with it being a higher risk to you, than say someone that is working at a desk.
Our expert advisers will make sure that your options for critical illness cover are clear and you walk away knowing exactly what you are and aren’t covered for.
Karate Instructors & Income Protection
Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.
Income protection is very important for karate instructors. You are so reliant on every part of your body that injuries can take you out of employment for a long time. Pricing could be higher if you apply to a mainstream insurance, and you might be better off going to a more specialist insurer for your income protection.
Our advisers recommend income protection for people every day and we will be able to let you know exactly what you can have. Get in touch today for a no obligation quotation.
Karate Instructors and Healthy Living Insurance
There are some insurance policies that allow you to earn rewards and reduce your policy premium, if you are fit an active.
Practicing karate is a perfect match to the way that the insurer monitors your fitness levels, so that you can access these benefits.
To find out more please see our healthy living insurance page.
Karate Instructors & 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
- Environmental factors
- Exhaustion
- Injury to limbs
- Paralysis
- Permanent disability
- Trauma to the head
- Torn ligaments
Occupational Duties
- Exercise programme planning
- Organising grading
- Lesson planning
- Maintaining the dojo
- Safety of students
- Teaching proper technique
- Stunt work
- Supervision
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Raleigh Winks
Author
This page was written and created by Raleigh Winks, under the guidance of Kathryn Knowles PhD (Managing Director), as part of his work experience with the company.
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