Personal Trainers & Life Insurance

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Personal TrainersInsurance providers will typically provide life insurance for personal trainers at ordinary rates. If you have a high BMI due to muscle mass some insurance providers will give extra allowances due to your high fitness levels.

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. Due to the nature of your occupation it is possible that you push your body to the peak of its physical endurance. Any injuries that you have had within the last 3 to 5 years will need to be detailed within your application. Provided that you are currently in good health with no recent physical injuries your policy should still be accepted at normal rates.

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. When you place your application you should ensure that the policy you are applying for has an own occupation claims definition. This means that at the point of a claim you will be assessed on your ability to be a personal trainer. If you do not have this definition then any claim that you place will be judged upon your ability to work in a similar job or any other occupation, making the policies claim criteria stricter to attain.

Personal trainers income protection policies are available with deferments of 1 day, 1 week, 4 weeks, 8 weeks, 13 weeks, 26 weeks and 52 weeks. This is the time period that you must wait from the point of making a claim, to receiving the policy payout. You should consider factors such as your savings, budget for the policy and any sick pay benefits you receive from your employer. Our financial advisers are able to discuss these options with you and advise you on the most appropriate deferment to suit your circumstances.

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

You can apply for any of the following insurances through ourselves

  • Accident, Sickness and Unemployment: Please note that accident and sickness cover will likely exclude anything linked to existing conditions that you have.
  • Travel Insurance
  • Buildings and Contents
Personal Trainers

Dr Kathryn Knowles Phd

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

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