Life in the army can be demanding as it requires a wide range of skills and the ability to work
in testing environments. If you are looking for army spouse life insurance for you and your
partner, please speak to Sports Financial Services to discuss life cover, mortgage protection,
income protection and critical illness cover.
Experienced Insurance Advisors
Founded over 20 years ago, Sports Financial Services was established originally as Summit
Financial Services. Since then, we have provided insurance cover for climbers, mountaineers, mountain bikers and many more customers which take part in a mix
of adventurous outdoor activities.
Sports Financial Services was founded initially to meet the needs of the wider outdoor sports
market. After a while, we found a segment of people who came to us looking for
occupational and recreational insurance cover. This led to the development of experience in
the field of hazardous occupation cover. Examples of hazardous occupations include roles
within military occupations, mountain guiding, rope access work and offshore work.
As work in the army demands a level of technical skill and is based in challenging
environments, army spouse life insurance often requires more specialist types of cover. If
you would like to discuss life insurance, critical illness cover or income protection cover for
members of the army, you have come to the right people.
What is Army spouse life insurance?
Army spouse life insurance can vary depending on the insurance provider, as well as the
type of military activities that are engaged in. This is why it is important to seek out specialist
advice so that you can obtain the right cover for you and your circumstances.
If you are looking for specialist life insurance for extreme occupations such as those in the
military, you will be required to disclose what sort of military activities you undertake.
Depending on the nature of your activities, you may find that financial protection may cost more, or be excluded from cover, however your personal adviser at Sports Financial Services will discuss this in further detail with you.
Here are some areas that insurers might consider when assessing your enquiry for army spouse life
● Health and lifestyle (e.g., alcohol consumption, exercise and smoking)
● Current employment and does it take you on international travel? (e.g., UK, Europe
● What type of military activities do you participate in?
● Do you participate in hazardous sports and pastimes?
Such questions, and many more, will help us find the facts that insurance companies require
in relation to you, your occupation and your lifestyle.
Life insurance for Army members Vs Critical Illness Cover & Income Protection
Critical Illness Cover:
Critical illness cover is an extra precaution to cover specific illnesses or medical conditions
which could disrupt your life, family and finances. If you are someone who participates in
hazardous activities, your enquiry will be assessed against the activities which you pursue.
Standard rates may be offered for some sports and occupations, with no special terms
imposed, however in some other sports or occupations, they may result in premium
loadings, restrictions, special terms or exclusions. Your sports and occupations specialist at
Sports Financial Services, will discuss the options with you.
Income protection is an important cover to consider if you take part in hazardous activities.
Choosing to have income protection could provide you with peace of mind if you are unable
to work due to injury or sickness.
If you are injured or sick and unable to work, you will want to make sure you have cover,
especially if you have financial commitments such as loans, mortgages, credit cards and bills
to pay monthly.
When applying for income protection, the cover is dependent on a range of factors. For
example, whether you have previously suffered any injuries from the activities you take part
in, and if this has led you to have time off work.
Similarly, to critical illness cover, participation in certain sports activities may result in
premium loadings, restrictions or exclusions. This will be discussed with you by your adviser
at Sports Financial Services.
Why choose Sports Financial Services for Army spouse life insurance?
We are here to discuss with you your protection needs, whether it be for recreational
pursuits or hazardous occupations.
Here at Sports Financial Services, we are a team of insurance specialists with many years of
experience working with those participating in hazardous sports or occupations. We know
how important it is to find cover for members of the military at the right price.
Other protection ideas to consider:
● If you keep up a health regime and participate in a regular fitness plan, you may also
want to speak to us about policies that monitor your fitness and reward you for
keeping fit and healthy.
● If you have an insurance policy in place, have been declined life insurance for
members of the army in the past or have previously experienced problems obtaining
life insurance then you should speak to our extreme sport and occupation experts as
there may be new developments in the financial protection market.
● Over time, different insurers come into the market and the terms of others may
change. This will mean that there will be different terms available compared to when
you first applied for cover.
Whatever army role you hold, contact Sports Financial Services and one of our
advisers will discuss with you your options. Due to our knowledge of sports and
hazardous occupation cover, one of our experts will be able to discuss your options
depending on what activities you pursue.
When applying for cover it is important to note that the availability of cover and premiums for
cover are dependent on a range of factors such as your health, type of army job role and
your other recreational or occupational activities.
Finally, as an additional service, we work closely with our parent company, Suttons
Independent Financial Advisers. So, if you require any further information about other
financial services such as pensions, investments, mortgages or financial planning please
Your personal adviser at Sports Financial Services will also be able to refer you to a contact
at Suttons who best suits your interests.