Facing an unexpected end to your career is daunting. You’ve worked hard to reach professional success. What happens if injury or illness suddenly takes it all away?
We specialise in protecting those who engage in hazardous sports and occupations. Career ending insurance provides vital financial security when you need it most. We understand the unique challenges faced by those who enjoy sport as both a recreational pursuit and occupation.
With over two decades of experience, we’ve helped thousands of sports people safeguard their financial future. Our sports specialists discuss the specific risks associated with your sport or occupation, ensuring you’re protected both on and off the field.Get in touch today for a free, no-obligation quote. Call us on 0345 565 0935 or complete our simple online form to secure your financial peace of mind.
Get a no-obligation quoteWhat is Career Ending Insurance?
Career ending insurance provides essential financial protection if you’re unable to continue your professional career due to permanent injury or critical illness. It offers financial support to help you manage the financial impact of a career-ending event.
Unlike standard income protection, this insurance recognises the unique circumstances faced by professional athletes and those in physically demanding roles. When your livelihood depends on peak physical performance, even relatively minor injuries can have catastrophic career implications.
This specialised insurance covers injuries or illnesses that prevent you from participating in your sport or occupation at the same level as before and provides financial support during your transition to a new career path.
This insurance acts as a safety net, allowing you to focus on recovery rather than financial worries. It’s particularly valuable for those whose careers involve high physical risk or where performance-related income makes up a significant portion of earnings.
Why Do You Need It?
Your career is more than just a job. It’s your passion and financial foundation. For professional athletes and those in physically demanding roles, your physical capability directly impacts your earning potential.
Without proper protection, a career-ending injury or illness can devastate your financial stability overnight. Bills pile up while income disappears. Career transitions require time and often additional training or education.
Standard insurance policies typically don’t address the specific needs of high-performance professionals. They rarely account for the shortened career span or the significant income gap between your sporting career and potential alternative employment.
Career ending injuries can be a risk for all types of sports people. The challenge of stopping something you love and the risk of losing your income can be a real threat. For financial peace of mind, you should consider building career ending insurance into you financial planning. In addition, you may want to consider the effect that a critical illness may have on your career and the ability to maintain your income in the light of long-term illness.
You can speak to us about career ending cover for a range of sports, such as:
- Football
- Boxing
- Golf
- Tennis
- Motor racing
- Cricket
- Horse racing
The reality is stark, careers can end in an instant. A serious knee injury, concussion complications, or unexpected illness can force early retirement from your profession. Career ending insurance ensures this doesn’t also mean financial hardship.
Tailored Cover to Meet Your Needs
We understand that every career and individual is unique. That’s why our specialist sports advisers discuss cover based on your specific requirements and budget.
Each discussion is tailored to address the particular risks associated with your sport or occupation. Whether you’re a professional footballer concerned about knee injuries, a jockey worried about falls, or a tradesperson dependent on physical capabilities, we will discuss cover that addresses your specific circumstances.
You may want to discuss:
- Adjustable benefit amounts to match your income requirements
- The definition of career-ending events based on your profession
- Critical illness coverage for serious health conditions
- Life insurance and mortgage protection
Our sports specialists will work closely with you to determine the appropriate level of coverage based on your current earnings, career stage, and lifestyle. Our goal is to provide financial protection that gives you confidence to pursue your career without financial anxiety.
Factors Affecting Your Premiums
Understanding what influences your premium costs helps you make informed decisions about your cover. Several key factors determine the cost of your insurance:
- Your age and overall health: Younger, healthier individuals generally benefit from lower costs. Regular medical assessments and maintaining good physical condition can help manage these factors.
- The nature of your sport or occupation: High-impact contact sports or particularly dangerous occupations naturally carry higher premium costs due to increased injury risk.
- Personal injury history: previous injuries, especially those related to your current profession, may influence coverage terms and costs. Full disclosure during the application process is essential to ensure valid coverage.
- Policy specifics: benefit amount, definition of career-ending events, and any additional coverage features will all impact your premium. We help you balance comprehensive protection with affordable premiums.
Why Choose Sports Financial Services?
We’ve built our reputation on protecting those who push boundaries. Our specialised experience in high-risk professions and sports sets us apart from generic insurance providers.
With over 20 years dedicated to providing insurance for professional athletes and individuals in physically demanding careers, we truly understand your unique needs. Our advisers speak your language and recognise the specific challenges you face.
We maintain relationships with specialised insurers who understand the nuances of insurance for elite sports people. This network allows us to secure competitive rates for even the highest risk professions.
We’re proud to offer personalised service that goes beyond policy sales. Our advisers take time to understand your specific situation, providing ongoing support as your career and needs evolve. We’re committed to building lasting relationships with you, offering tailored advice throughout your journey with us.
Other Types of Protection
We offer a wide range of insurance plans which can be tailored to the individual. We are proud to offer life insurance for any sport or occupation. The types of insurance we offer include:
Choosing the right type of insurance cover can be daunting. That’s why we offer free consultations with our experts in order to make sure you make the right choice. Give us a call on 0345 565 0935 to get the right cover today.
Get in Touch Today
Protecting your career shouldn’t be left to chance. Career ending insurance from us provides essential financial security when you need it most.
Choose us for our expertise in high-risk sports and occupations and our commitment to personalised service. Our dedicated team understands your unique needs and will craft protection that gives you the confidence to pursue your sport and career without financial worry.
If you’re interested in securing your financial future, fill in our contact form to get your free, no-obligation quote today. We’ll assess your specific situation and offer cover options tailored to your needs.
Alternatively, give us a call on 0345 565 0935 to speak directly with a member of our specialist sports team. We’re ready to answer your questions and help you find the perfect coverage solution..
Get a no-obligation quote