Body Building

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BodybuildingBody building is seen as a key way to build strength within your body and reach high levels of physical fitness. You would think that this would make getting insurance easier, but sometimes it can make things trickier.

One of the main reasons for this is that people that are bodybuilders often have a higher BMI, with muscle weighing more than fat. The insurers systems are not typically designed to take this into account. Depending upon your BMI it might be that a specific chat with the insurer needs to take place to talk about this in more detail.

When you speak with us we will be asking you:

  • What is your height?
  • What is your weight?
  • Have you used any steroids in the past as part of your bodybuilding routine?

Life insurance for people that do weight training is often available at normal terms. This means that they will not be changing the premium for the policy, if your BMI falls within certain levels. Some insurers start increasing premiums for life insurance once your BMI is at 30, so it’s important to research which one is best for you. This is where our advisers can really help you.

Our award winning advisers will find the right insurer and best life insurance policy for you.

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If you have used any non-prescribed drugs such as anabolic steroids your life insurance application will need to be placed with specific insurers. Please refer to our drug use page for further details.

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.

In a similar way to life insurance, critical illness insurance is often available at normal terms for people that do weightlifting or bodybuilding.

Your BMI can affect the price the insurance company offer, so the choice of insurer is essential for you. Once your BMI is at 30 you could find that some insurers will offer rated premiums, which means that they will be increasing the policy premiums.

Our expert advisers will speak with the insurers on your behalf and explain that your BMI is higher due to your fitness, so that you can get the best terms for critical illness cover.

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

Income protection cover can often be available for people who weight lift or body build. In fact many insurers will not ask about it so long as it is in a non-competitive scenario.

If you do take part in any competitions this can come up in the application. Some insurers will be ok about this, some will be a bit cautious about what terms they can offer you.

A key thing that the insurers will want to know is if you have had any physical injuries in the past due to your bodybuilding or other activities. This would be things like back pain, torn ligaments and broken bones.

Injuries like these can often lead to exclusions on income protection. These exclusions can sometimes be in place for the whole of the policy or just for a set period of time.

Our advisers will listen to your needs and find the right insurer and income protection policy to match you.

There are some insurers that allow you to earn rewards and reduce your premiums if you are fit and active. They do this by asking you to submit data about your daily steps and your heart rate when you work out.

It might be that this will work well for you and you can find out more in our healthy living page.

Are you planning on travel abroad? Make sure that you have the right insurance in place for your health as a bodybuilder, by visiting our dedicated travel page here.

Fun Facts

  • Weight training
  • Weightlifting
  • Powerlifting
  • Bodybuilding
  • Injuries
  • Muscle strain
  • Ligament/cartilage damage
  • Foreign travel
  • Illegal drug use
  • Competitions
  • Body mass index (BMI)

Common Questions

Hi, it really depends upon the insurer. Some insurers will ask about competitions, some don’t. It can really make a difference to use an adviser like us as we can speak directly with the underwriters and see if the competitions that you are doing are acceptable to them or not. It’s always best to make sure that the questions the insurers are asking for things like life insurance, critical illness cover and income protection are answered accurately.

Client Reviews

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

Review by Alan on 19th October 2022

From the very first phone call with Alan Knowles to the final phone call with Ellice and all the correspondence with class service all the way through so thank you all - 5 

You can read more of our reviews here.


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


Client Reviews


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