Army Family Life Insurance

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Life, Income Protection &
Critical Illness Cover
cover options

Sports Financial Services offer expert advice for individuals taking part in outdoor sports or
work in hazardous occupations.

Hazardous occupations can include roles within the army. Life in the army can be very
challenging, especially in dangerous environments, so it is important that you make sure you
have the most appropriate cover for you and your family. If you are looking for army family
life insurance, the experts at Sports Financial Services will be happy to discuss life cover,
mortgage protection, income protection and critical illness cover options with you.

Sports Financial Services have over 20 years of experience in the financial protection
industry. First established as Summit Financial Services, we discovered that many climbers
and mountaineers, who took cover with us, also took part in other extreme sports such as
scuba diving, skydiving, caving and skiing. This led us to develop expertise in numerous
outdoor activities, so we could offer cover for a wider range of outdoor pursuits.

We also discovered that there was a large number of individuals who came to us looking for
occupational and recreational cover. This is what led to the development of experience in
helping to find cover for related occupations, for example, army and military occupations.

Because army occupations can be based in dangerous environments and require technical
skills, this can result in more specialist types of cover being needed. If you would like to find
out more about army family life insurance, you can discuss your options with one of our
occupational and recreational specialists.

What is Army Family Life Insurance?

The choice of Army family life insurance cover can be dependent on insurance providers and
the military activities you undertake. These factors can affect the availability and choice of
cover. It is important to seek specialist advice so that you have the right cover for yourself,
your family and your circumstances.

If you are looking for specialist insurance, such as army family life insurance, you will need
to be aware that some financial protection may cost more, or in some circumstances, be fully
excluded. This is often due to the nature of certain activities. However, your professional
adviser at Sports Financial Services will go through the options with you.

Areas that insurers might consider when assessing your enquiry for army family life
insurance may include:

● Health and Lifestyle choices (e.g., alcohol consumption, exercise and smoking)

● Current employment and any international travel (e.g., UK, Europe and/or worldwide)
● Current military role / type of army activities participated in
● Do you participate in hazardous sports and pastimes?

Asking questions such as these, will help us find appropriate insurance cover for you based
on your answers in relation to your lifestyle choices, occupation and activities.

Army family life insurance Vs Critical Illness Cover and Income Protection

Critical Illness Cover:

Critical illness cover is a way to ensure you and your family are covered in the circumstance
that you develop specific medical conditions or illnesses that affect your ability to work. If you
take part in hazardous activities or occupations, critical illness cover will be assessed these
activities. Some types of cover may be offered at standard rates with no special terms
applied, however, other types of cover may result in restrictions, special terms, premium
loadings or exclusions.

All of these circumstances will be discussed in more detail by your Sport Financial Services

Income Protection:

Income protection is important to consider if you take part in hazardous activities. It is a good
reassurance if you are unable to work. Income protection can help contribute to financial
commitments such as loans, mortgages, credit cards and bills if you are not able to work.

When discussing income protection, it is important to note that cover is dependent on many
factors. One factor being if you have previously suffered from any injuries as a result of your
activities and if this has led you to take a significant amount of time off from work.

As with critical illness cover, participation in certain sports and activities can result in
premium loadings, restrictions or exclusions. This again will be discussed with you in further
detail by your specialist sport and occupation adviser.

Why choose Sports Financial Services for army family life insurance?

Due to our many years of experience and knowledge in the hazardous sport and occupation
domain, we will be happy to discuss your protection needs and find appropriate army family
life insurance for you and your family’s peace of mind.

Sports Financial Services are a team of insurance specialists who know how important it is
to find army family life insurance at the right price.

If your requirement for army family life insurance extends into other outdoor sports and
hazardous activities, we also offer cover for a large number of high-risk sports, such as:

Paragliding life insurance
Skydiving life insurance
Rock climbing life insurance
Mountaineering life insurance
Caving life insurance

Speak to one of our sports specialist advisors today to find out more about cover for other
hazardous activities.