Rugby Players & Life Insurance
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Life insurance for rugby players should be available at normal terms with some insurers. There are certain things that can change this and we are here to find the right insurer for you.
Our advisers will ask you:
- What is your height and weight?
- Do you travel abroad as part of your work?
- Have you had any injuries in the last few years?
BMI is still seen by insurers as a good way to assess a persons health and fitness. As a rugby player your BMI is very likely to be at a level that would usually mean that life insurance premiums are increased. Our advisers will speak with the insurance underwriters for you to explain that your high BMI is because of your muscle mass and this should mean that you get better pricing for life insurance.
If you spend significant amounts of time abroad each year, this can potentially change the best choice of insurer for you.
Our award winning advisers will find the right insurer and best life insurance policy for you.
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 insurance for rugby players is also likely to be available at standard terms with some insurers.
You could find that Total Permanent Disability is excluded from the policy claims set due to the heightened risk of severe injury when playing rugby.
Our expert advisers are here to get you the critical illness cover that you need.
Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.
Income protection for rugby players will need to be placed with a specialist insurer if you play the sport on a professional or semi-professional basis.
The insurer will be particularly interested in any time that you have had off work as a direct result of playing rugby. You will probably need to tell the insurer about any injuries that you have had in the last few years, for them to assess your application.
Our advisers will listen to your circumstances and find the best way for you to protect your income.
Being a rugby player means that you are physically active on a regular basis and maintain a healthy lifestyle. There are some insurers that offer policies that reward you for being active. You simply log your exercise with them and you can potentially reduce your policy premiums.
Please see our healthy living page to find out more.
Rugby players work in a combative sport with a high risk of physical injury. Taking part in rugby requires an individual to be highly aware of their surroundings and have a deep understanding of how to protect themselves and other players from serious injury.
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