Wrestlers & Life Insurance
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Wrestlers & Life Insurance
Professional wrestlers who are applying for life insurance could find it tricky with mainstream insurers.
The reason that it is trickier is that there is a higher risk of you getting hurt from your role, than say working in an office. Insurers appreciate that there are a lot of safety measures in place, but they are not just looking at the risk of their potentially being an accident and you dying.
They are also considering the likelihood of you being seriously injured and how that can then lead to long term health complications, that could alter your life expectancy too.
The options you will get for life insurance very much depend on specific parts of your work as a wrestler.
Just to double check, our advisers may ask:
- How often to you take part in professional wrestling tournaments?
- What type of wrestling do you do?
- Do you travel abroad for any wresting competitions?
As a professional wrestler it will be harder to get life insurance due to how easily you could get seriously hurt. Because of this wrestling is a high risk occupation and your life insurance may need to be placed with a more specialist insurer insurer.
It is very likely that your life insurance policy will have an increased premium. Different insurers will increase the life insurance premiums in different ways, making a huge difference in the cost of your life insurance. Research is essential.
Our award winning advisers are here to give you peace of mind with the right life insurance policy, so that if the worst happens, your loved ones will be taken care of.
Wrestlers & 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.
Wrestling places you at a higher risk of experiencing some claimable conditions on a critical illness policy e.g. paralysis, traumatic brain injury stroke.
You might find that some insurers are able to offer you critical illness cover, but many will decline your critical illness cover application. If you are able to arrange a critical illness policy it’s very likely that the premiums will be increased, that ‘Total Permanent Disability’ is excluded from your policy, or an occupational exclusion placed upon the insurance.
If you find that there are exclusions placed on your policy in relation to you being a wrestler, you may find that it’s worthwhile considering also arranging career ending insurance too.
Our expert advisers are trained to find the critical illness policy that matches you and your needs, so that if you are diagnosed with a critical illness, you can focus upon you rather than worrying about money.
Wrestlers & 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 not very easy to acquire as a professional wrestler. You will need to approach a specialist insurer to see if they can consider your income protection application.
Professional wrestlers need to be in very good health to be able to wrestle and it does not take much for things to happen health wise, and be told that you must not wrestle ever again. This makes you very high risk to insurers.
Insurers will want to know injuries from the past couple of years, and if they have stopped you working.
It’s likely that instead of arranging income protection cover, that you look at career ending insurance instead.
Protecting your income is one of the most important things that you can do to protect your financial future and our award winning advisers are here to sort it for you.
Wrestlers & 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 take part in wrestling matches. To find out more, please visit our travel page here.
Possible Risks
- Back pain
- Broken bones
- Concussion
- Dementia
- Dislocation
- Life changing injuries
- Motor Neurone Disease
- Permanent and total paralysis
- Stroke
Occupational Duties
- Brand building and social media management
- Creating a compelling character to draw in audiences
- Extensive fitness training
- Maintaining a positive public image
- Safety training
- Scripted athletic matches
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Theodore Knowles
Author
This page was written by Theodore Knowles under the guidance of Dr Kathryn Knowles Phd, an award-winning insurance adviser. To read more about Kathryn please see her bio here
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