Rugby Players (Amateur) & Life Insurance
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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.
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.
- 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’
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.
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