Professional Sports People & Life Insurance
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Professional sports people applying for life insurance should ensure that they approach an insurance provider who offers favourable terms for their sport.
Some professional sports are considered to have low danger by insurers and are likely to result in life insurance being offered at standard terms; for example footballers, rugby players and cricketers. Other sports that are deemed to be of a higher risk can lead to the insurer placing a higher premium upon the life insurance policy; this will probably apply to professions such as motor sports and jockeys.
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 professional sports people can often be secured at normal terms provided that the sport is considered to be of a low-risk; sports such as swimming, golf and tennis would generally fall within this category.
Where there is a heightened risk of significant injury due to your profession the insurer may choose to increase the policy premium to offset the added risk of insuring you; occupations that may fall into this criteria may include stunt people and motor sports professionals.
Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.
Income protection for professional sports people will be difficult to obtain and will need to be placed with a specialist insurance provider. You should speak to a qualified insurance provider to establish if income protection is appropriate or even available for your circumstances.
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