Rugby Players (Amateur) & Life Insurance

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Rugby Players (Amateur)Rugby is a firm favourite in our office and gets some good debates going over which ones better: league or union.

Life insurance for amateur rugby players should be available at normal terms with most insurers in the UK.

Some key things for us to know are:

  • Your height and weight
  • Are you taking part in any professional or semi-professional matches?
  • Have you had any injuries due to playing rugby in the last few years?

With most insurers we need to ask about height and weight of anyone applying for cover, but this can be even more important for rugby players.

Rugby players often have a higher BMI due to the amount of muscle that you have. At certain points higher BMI levels can mean that insurers will increase the policy premiums. We can speak with the insurer on your behalf and explain that your BMI is due to your rugby playing, which can sometimes help to stop any premium increases.

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

When you place your application for life insurance the insurer will want to know if you take part in rugby on a semi-professional basis at all. If you play rugby on a professional or semi-professional basis then please see our dedicated page for professional rugby players.

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 amateur rugby players will also likely be available at standard terms. Your BMI could affect the premiums that you are offered and it’s really important to speak with the insurers to find the right one that supports your lifestyle.

The insurer will be interested in whether you have suffered any recent injuries from taking part in the sport. Due to the risk of severe injury from playing rugby you may find that total permanent disability is excluded from the policy. This is one claimable condition of the policy and you will usually still be covered for around 60 different conditions that critical illness policies usually cover.

Our award winning advisers will find the right critical illness policy to match your needs.

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

Income protection for amateur rugby players should be available at normal terms, but you will need to place your application with an insurer that can specifically accept you playing rugby without exclusions.

If your involvement in rugby is purely on an amateur basis then your application is more likely to focus upon occupation rather than your sport.

If you have had any injuries in the past such as any break or sprains, then these areas might be excluded from the policy. This really depends upon how recently you have the injury.

Our expert advisers will find the best income protection policy to match you and your hobby.

As a rugby player you are in a highly physical environment and are regularly active. You may find that certain healthy living life insurance policies may suit your needs as they give rewards and the potential to reduce premiums for people with a healthy lifestyle.

Please see our healthy living page to find out more.

Are you planning on going outside of the UK to play rugby? Makes sure that you have the right travel insurance in place, click here for your no obligation travel quotation.

Fun Facts

  • Rugby balls were originally made from pig bladders
  • The New Zealand All Blacks traditional war dance is the Haka Ka mate
  • Many rugby players experience sustained trauma to the outer ear, developing what is known as ‘cauliflower ear’
  • Rugby player
  • Rugby coach
  • Rugby referee
  • Head trauma
  • Back injuries
  • Equipment safety
  • Environmental factors

Common Questions

Hi, we would be delighted to help you. The first thing that we will do is chat to you about what difficulties you have had so far. There are quite a few things that can stand out when you are playing rugby that can affect life insurance applications. If you have a high bmi or play in any kind of a professional capacity, it’s important to pick specific insurers that suit your individual circumstances.

Client Reviews

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

Review by David on 23rd January 2020

Fantastic assistance throughout the whole process. Understood my needs, made suitable recommendations, allowed me to review, make changes where possible and overall delivered a great level of service. Couldn't recommend enough. - 5 

You can read more of our reviews here.

Rugby Players (Amateur)

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

Rugby Players (Amateur)

Client Reviews

Rugby Players (Amateur)

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Please feel free to call us on 0800 567 7450 and one of our qualified insurance advisers will be happy to assist you.

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