Personal Trainers & Life Insurance

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Personal TrainersWhen it comes to life insurance insurers like to think that people do as much as possible to stay fit and healthy. As a personal trainer you know the best ways to look after your body.

You should find that most life insurance policies are available to you at normal terms, but there are certain things that we will check for you:

  • What is your height and weight?
  • Are you taking part in any extreme sports or endurance events?

Insurers still work off of BMI as a guide to a person’s health. This can sometimes be tricky for personal trainers as you BMI can be higher than average due to your body muscle. If this is the case it’s important to speak with an insurer to explain why your BMI is higher, or you might find that your life insurance comes at a higher premium.

It will also be essential to thoroughly research the insurance market if you have taken anabolic steroids in the past, or continue to do so. This can affect the pricing of your life insurance and some insurers may not be able to offer you life insurance.

Our expert advisers know which insurer is right for you so that you get the best life insurance policy.

There are certain insurance policies that allow you to earn rewards if you regularly exercise, and potentially reduce your premiums too. You can read more about this on our healthy living page.

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.

Many insurers will provide critical illness cover for personal trainers at standard terms. 

Your BMI can potentially increase the policy premiums as insurers still use these guides as a way to try and assess a persons health. If your BMI is over 30 your application might be helped with a chat with an underwriter, to explain why your BMI is higher. This chat can be the difference between you getting standard terms or an increased premiums for critical illness cover.

Our award winning advisers speak directly with insurers to get you the best critical illness policy.

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

Income protection insurance for personal trainers can be available at ordinary terms with a number of insurers.

The insurer will want to know if you have had any injuries in the last few years, as this can change the options that you have. With income protection it can be quite common to get exclusions on the policy. For example, if you have had a ruptured ACL you might find that you have an exclusion linked to the leg or knee. An exclusion like this might be temporary or permanent and the choice of insurer will be key to this.

Our advisers will listen to your circumstances and find the best insurer and income protection policy for you.

Are you planning a holiday? We work alongside a specialist travel insurance broker who can help you choose the right insurance. To find out more, please click here.

  • Private trainer
  • Gym trainer
  • Sports trainer
  • Coach
  • Equipment safety
  • Physical strain
  • Nutritional guidance
  • Minor sports therapy
  • Fitness planning

Client Reviews

Cura Financial Services has been rated 5 out of 5 based on 724 reviews.

Review by Kimerley on 6th October 2020

Excellent service throughout. The whole process was stress free and we were given a wide range of products to choose from. The advisor was extremely knowledgeable, friendly and professional throughout. Would 100% recommend. - 5 

You can read more of our reviews here.

Personal Trainers

Dr Kathryn Knowles Phd

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

Personal Trainers

Life Insurance, Critical Illness Cover and Income Protection for Personal Trainers

Client Reviews

Personal Trainers

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Please feel free to call us on 0800 567 7450 and one of our qualified insurance advisers will be happy to assist you.

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