Category: Occupations

If you are a member of the British military and you are looking for Life Insurance for the Armed Forces, Critical Illness Cover for Armed Forces personnel or Serious Illness Cover for members of the British Armed Forces then contact Sports Financial Services.

Sports Financial Services has developed, over many years, an expertise in providing financial protection for many extreme sports and non-standard occupations such as the Army, Navy and Royal Air Force.

We are aware that military activities can span a range of missions including peace keeping, humanitarian and combat. In addition, we understand you may be a full-time member of the Armed Forces or a member of the Territorial Army / Reservists.

We have successfully obtained cover for a range of roles, from specialist military disciplines to Special Forces.

Military Life Insurance

Whatever your role in the military, Sports Financial Services will be happy to hear from you to discuss Life Insurance for military personnel, including:

• British Army Life Insurance
• Navy Life Insurance
• Air Force Life Insurance

There are a range of insurance options available for military personnel who are looking to provide for a family or cover mortgage payments should an accident (or worse) happen.

Whether you are looking for a lump sum to be paid following an accident or natural death then you may want to speak to us about Life Insurance. In addition, you can also speak to us about the options for Critical and Serious Illness Cover.

Life Insurance for Armed Forces personnel

All military occupations are not created equal and different job roles are associated with different levels of risk.

At Sports Financial Services we understand that insurance risk can vary dramatically between different military roles.

Examples of Army personnel roles:

• Administration
• Engineer
• Infantry
• Intelligence
• Medical
• Military Police
• Paratrooper

Examples of Royal Air Force (RAF) personnel roles:

• Air traffic control
• Electrical and mechanical engineering
• Force protection
• Intelligence
• Logistics
• Medical
• Pilot

Examples of Navy personnel roles:

• Diver
• Engineering
• Logistics
• Medical
• Pilot
• Royal Marines

In addition to your military role, and any associated hazardous duties, insurers will also take into account where your military service takes you.

Insurers may view some geographic locations as having a low risk profile and other locations may be seen as riskier due to political or civil unrest.

An assessment of the premium to be paid for life insurance will be based on the level of risk involved and your personal adviser at Sports Financial Services will discuss this with you.

Armed Forces Life Insurance

Contact Sports Financial Services today to discuss your needs in relation to forces life insurance:

• Army Life Insurance, Navy and Royal Air Force
• Mortgage protection for Army, Navy and Royal Air Force
• Critical Illness Cover for Army, Navy and Royal Air Force
• Serious Illness Cover for Army, Navy and Royal Air Force

Frequently asked questions when military personnel apply for life insurance

When applying for Life Insurance cover, Mortgage Protection, Critical Illness Cover or Serious Illness Cover for military personnel, Sports Financial Services will take into consideration a number of factors that will help determine the type of cover that is available in the market for your particular needs.

A personal adviser is allocated to your enquiry and will talk you through the specific questions that relate to you and your military cover.

Typical life and lifestyle questions, that we may ask you in order to determine your risk level, include:

• Your personal health, fitness & lifestyle (e.g. smoking, alcohol consumption and participation in exercise)
• Your height
• Your weight (and body mass index)
• Your age
• Your medical history

Occupational and recreational questions, related to your military activities, could include your:

• Branch of military (British Army, Royal Navy, Royal Marines, Royal Air Force)
• Job /occupation title / role
• Special or hazardous duties (e.g. mine clearance, diving, parachuting, flying fast jets or attack helicopters)
• Geographical locations of deployment and any active theatres of operations
• Current duty and future deployment

Finally, questions relating to the amount of cover you require and the duration of your military cover will be sought, including:

• How much cover you want (£)
• How long you want the policy for (number of years)
• The type(s) of policy required and any mix of additional cover options

Your information, such as that detailed above, will help determine the level of risk involved and the ultimately the premium paid for a policy.

How much is mortgage life insurance?

For members of the armed forces, the cost of mortgage protection varies based on factors like age, health, and the size of the mortgage. Given the risks associated with military service, premiums may be higher compared to civilian occupations. However, some insurers offer policies specifically tailored to the needs of military personnel, potentially at more competitive rates. It’s important to choose a policy that provides sufficient cover to pay off your mortgage, ensuring your family’s financial security if something happens to you.

If you are on the search for life insurance, critical illness or income protection to cover working offshore then contact Sports Financial Services.

Over the years Sports Financial Services has developed an expertise in providing protection for many hazardous sports, hazardous pursuits and hazardous occupations.

Our specialism is helping people who are classed as non-standard or classed as higher risk because of their sport, hobby or occupation.

Life insurance for offshore workers

Whatever your role offshore, Sports Financial Services will be happy to hear from you, to discuss your individual insurance needs.

There are a range of insurance options available for offshore workers who are looking to provide for a family, cover mortgage payments or require income protection should an accident (or worse) happen whilst working offshore.

If you are an offshore worker and are looking for a lump sum to be paid following an accident or natural death then you may want to consider life insurance. If you are concerned that an accident may affect your ability to work then an income protection policy for offshore workers may be something you want to chat to us about.

Offshore industry occupations and locations

All offshore occupations are not created equal and different job roles are associated with different levels of risk.

At Sports Financial Services we understand that insurance risk can vary dramatically between different offshore roles and occupations.

Examples of offshore job roles and occupations:

• Commercial diver
• Crane operator
• Driller
• Deck worker
• Electrical engineer
• Emergency response specialist
• Engineer
• Gas production technician
• Health and safety officer
• Marine engineer
• Mechanical engineer
• Offshore chemist
• Oil production technician
• Oil rig welder
• Rope access technician
• Scaffolder
• Wind turbine technician

Some roles are more administrative and others involve hazardous duties, working with hazardous materials, hazardous environments, hazardous machinery or are more physically demanding, for example:

• Diving
• Handling chemicals
• Handling hazardous materials
• Operating well-head equipment and heavy machinery
• Working at height

In addition to offshore occupational role, and associated hazardous duties, insurers will also take into account where your offshore work takes you. Work can be based inland, coastal or offshore and take place in a variety of geographical locations, such as the North Sea, Africa, Eastern Europe, Middle East and the Gulf of Mexico. Insurers may view some geographic locations as having a low risk profile and other locations may be seen as riskier due to political or civil unrest.

An assessment of the premium to be paid for life insurance will be based on the level of risk involved and your personal adviser at Sports Financial Services will discuss this with you.

Wherever your offshore work takes you, from offshore oil and gas rigs to offshore wind turbines, then Sports Financial Services will be happy to hear from you to discuss your needs.

Life insurance, health insurance, income protection cover for offshore oil, gas and renewable energy

Sports Financial Services work hard to ensure that those who work offshore can access insurance cover, that has previously been subject to restrictions or exclusions, because of the hazardous nature of the activity.

Contact Sports Financial Services today to discuss your needs in relation to:

• Life insurance for offshore workers
• Mortgage protection for offshore workers
• Critical and serious illness cover for offshore workers
• Income protection for offshore workers

In addition, you can also speak to Sports Financial Services about private medical cover.

Offshore safety

Due to the hazardous nature of the activity we are aware that offshore workers take safety measures seriously. This can include strict compliance with Health and Safety procedures, safe systems of work (such as work permits), company recommended safe working practices and safety training.

Frequently asked questions when offshore workers apply for life insurance and financial protection

When applying for offshore cover, Sports Financial Services will take into consideration a number of factors that will help determine your final premium paid.

A personal adviser is allocated to your offshore enquiry and will talk you through the specific questions that relate to you and your offshore cover.

Typical life and lifestyle questions, that we may ask you in order to determine your risk level, include:

• Your personal lifestyle and health (e.g. smoking, alcohol consumption and participation in exercise)
• Your height
• Your weight or body mass index
• Your age
• Your medical history

Occupational and recreational questions, related to your offshore activities, could include your:

• Type of offshore work
• Job /occupation title
• Daily tasks / hazardous or dangerous duties (e.g. working at height)
• Professional body membership (e.g. IRATA for rope access technicians)
• Professional training and qualifications
  Frequency of work and/or time spent on work rotation
• Method of transport to rigs
• Type of industry (oil, gas, renewable energy)
• National and international work and travel locations

Finally, questions relating to the amount of cover you require and the duration of your offshore cover will be sought, including:

• The amount of cover you require (£)
• The term of the policy you require (number of years)
• The type(s) of policy required and any mix of additional cover options

Your information, such as that detailed above, will help determine the level of risk involved and the ultimately the premium paid for a policy by an offshore worker.

Business protection and offshore work

For those who operate a Limited Company or operate at Director level then you may want to speak to Sports Financial Services about options for life, health and business protection cover, including:

• Key Person insurance
• Relevant Life insurance
• Shareholder Protection
• Income Protection
• Individual and company Private Medical Insurance

Here to help offshore workers in the oil, gas and renewables industries

Even if you have an existing offshore policy in place elsewhere, Sports Financial Services will be happy to hear from you, even if only to provide you with peace of mind that your cover and premiums are comparable with current market products.

If you would like to find out more about life insurance for offshore workers, health insurance for offshore workers and income protection cover for offshore workers then speak to one of our experienced advisers at Sports Financial Services today on 0345 565 0935 for a no obligation quote.

Sports Financial Services has seen an increasing number of enquiries from rope access technicians and industrial rope access contractors who are looking for rope access life insurance, health insurance and income protection cover. These enquiries often arise because of our heritage of providing cover for hazardous pursuits and extreme outdoor sports.

Sports Financial Services was originally founded as Summit Financial Services. We still operate this popular service that specifically provides cover for climbers, hill walkers and mountaineers. This heritage means that we have a close empathy and association with climbers and mountaineers who sometimes take their recreational sporting activities into their hazardous occupations.

Cover for rope access and working at heights

Wherever your work takes you, from city sky scrapers to the challenges of the offshore oil and gas industry, Sports Financial Services will be happy to hear from you to discuss your needs.

There are a range of insurance options available for those looking to provide for a family, pay off a mortgage or provide income protection should an accident (or worse) happen whilst working at heights.

If you work in rope access and are looking for a lump sum to be paid following an accident or natural death then you may want to consider life insurance. Alternatively, an accident or fall whilst working a height may leave you unable to work for a while and an income protection policy may be another choice for you.

Rope access working risks

There are many risks associated with working at height and this can result in rope access work being rated as a hazardous occupation. This has traditionally meant that rope access workers have had to pay more for their life insurance and receive restrictions or loadings for illness cover.

Working at height environment

There are a broad range of hazardous environments, from the local town hall to international industrial chemical plants, in which rope access workers operate.

The work of rope access technicians can include cleaning, repairing, inspecting, maintaining or accessing difficult or confined locations. Rope access workers may find themselves undertaking work in the following types of industries:

• Power, chemical and petrochemical
• Shipping and harbours
• Offshore oil and gas industry
• Natural environment
• Built environment
• Renewable energy

Alternatively, rope access technicians and IRATA workers may find themselves in iconic built environments such as tourist attractions, stadiums, airports, bridges, hotels, dams, churches and cathedrals.

Specialist rope access protection equipment

Those who work at height may seek to limit the risk of injury through the use of specialist access equipment and personal protective equipment, such as:

• Ropes
• Rope protectors
• Slings
• Backup devices
• Hand ascenders
• Descenders
• Karabiners
• Harness
• Helmet
• Boots
• Gloves
• Goggles

Rope bags, kit bags and tool bags are often used to protect and secure safety equipment during and between rope access jobs.

Life insurance, health insurance and income protection cover for rope access technicians and IRATA workers

Sports Financial Services work hard to ensure that rope access technicians, and those working at height, can access life and health cover that has previously been subject to restrictions or exclusions because of the hazardous nature of the activity.

If a person uses ropes and associated equipment to gain access or work at height they can contact Sports Financial Services today to speak about their needs in relation to:

• Life insurance
• Mortgage protection
• Critical & serious illness cover
• Mortgage protection
• Income protection

Sports Financial Services are also happy to speak to those in related types of occupation such as ariel erectors, crane operators, engineers working at height, glass/window fitters, sign fitters, scaffolders, stone masons, steel erectors, steeplejacks, tree surgeons, commercial window cleaners and roofers.

How to enquire about financial protection if you are a rope access technician

When applying for rope access technician life insurance cover Sports Financial Services will take into consideration a number of factors that will determine the final premium paid.

A mix of typical life and lifestyle questions that may be asked, include:

• Your personal lifestyle (smoking, drinking and regular exercise)
• Your height
• Your weight
• Your age
• Your medical history

Typical occupational questions relating to rope access technicians could include:

• Membership of professional bodies (e.g. IRATA)
• Professional training and qualifications
• IRATA level 1,2,3
• Frequency of work
• Type of work and industry
• Average working height
• Maximum working height
• Percentage of manual and office-based work
• National or international geographical locations of work

If combining work at height with the additional hazard of working offshore then additional questions could include:

• Transport methods to offshore locations
• Location of work (e.g. Gulf / North Sea)
• Percentage of time offshore / onshore
• Work combined with other technical activities (e.g. diving)
• Working with dangerous machinery

Finally, questions relating to the amount and duration of cover will be sought, such as:

• Amount of cover required (£)
• The term of the policy (years)
• The type of policy required and any mix of additional cover options

Information such as this will help determine the level of risk involved and the ultimately the premium paid for a policy.

The team at Sports Financial Services have many years of experience dealing with hazardous sports and occupations. A personal adviser is allocated to each enquiry and will talk you through the specific questions that relate to you and your cover.

Business protection for hazardous occupations

For those who pursue dangerous occupations and operate a Limited Company or operate at Director level then you may want to speak to Sports Financial Services about options for life, health and business protection cover, including:

• Key Person insurance
• Relevant Life insurance
• Shareholder Protection
• Income Protection
• Individual and company Private Medical Insurance

Financial protection for those who work at height

Even if a rope access technician has an existing policy in place elsewhere, Sports Financial Services will be happy to hear from them, even if only to provide them with peace of mind that their cover and premiums are comparable with current market products.

If you would like to find out more about the whole range of life insurance, health insurance and income protection cover available for rope access technicians, or those who work at height, please contact Sports Financial Services today on 0345 565 0935 or visit www.sports-fs.co.uk.

At Sports FS, we specialise in offering life insurance coverage tailored to individuals engaged in high-risk professions and adventurous hobbies, such as pilots. The terms of life insurance can vary considerably depending on whether you are a commercial airline pilot or a private pilot. Additionally, helicopter pilots may encounter specific risk factors that make their life insurance needs more specialised. To gain a deeper understanding, get in touch with an expert here at Sports FS, to discuss your life insurance for pilots options and safeguard both yourself and your loved ones.

There are a number of key considerations pilots should consider when looking for Life insurance which will be based on several criteria that underwriters will assess from your application.

The main criteria for Life insurance for pilots includes:

• Are you a commercial, private or helicopter pilot
• Which type of aircraft do you fly
• How often do you fly and to which locations
• What pilots qualifications do you hold

In most cases if you are a pilot it can be quite simple to get life insurance depending on how frequently you fly and whether you are a commercial or private pilot. You may even find that you are able to get a Life insurance policy at the same rates as someone who does not have a high-risk occupation or hobby.

Some of the other key factors which will determine your premiums for Life insurance for pilots are:

• How much cover you are looking for
• What term of life insurance you need
• Which type of life insurance cover want

You will also find that this type of Life insurance for this occupation will vary from one insurance provider to another which will be based on their attitudes to risk as well as their own underwriting criteria.

There are a number of potential underwriting outcomes when assessing an application for Life insurance for pilots which can include:

• Standard rates
• Increase in premiums
• Benefit exclusions
• Policy exclusions
• Maximum sum assured or term

All applications for life insurance, critical illness cover and income protection will be assessed in the same way based on your answers to questions set on your paper based on online application forms. Some insurance providers will ask for different information to others, however generally the information required will be very similar.

Other considerations for Life insurance for pilots

There are also a number of other key lifestyle factors which will be taken in to consideration when assessing an application for Life insurance for pilots which are the same as any other life insurance application. Some of the usual standard lifestyle based criteria will be based on:

• Are you a smoker or have you smoked in the past 12 months
• How much alcohol do you drink in an average week
• Have you ever been advised to reduce alcohol intake
• What is your height and weight (Body Mass Index)
• Do you have any pre-existing medical conditions

Most of the usual top insurance providers will accept an application for Life insurance for pilots off an application immediately unless you are applying for a large amount of cover or if you have disclosed something of concern of your application.

Generally as a pilot it is easier to obtain a Life insurance policy if you are a private pilot than if you are a commercial pilot as it tends to be far less frequent activities for private pilots. Obviously commercial pilots will be flying very regularly and you will be flying in aircraft that is higher risk.

If you are a helicopter pilot then you may find that your application could be subject to additional underwriting and you may be excluded for this type of activity. This is purely because Life insurance for helicopter pilots is considered to be higher risk than pilots who fly fixed wing aircraft based on statistical risk of accident.

If you need more help to find the most competitive premiums for Life insurance for pilots then you should contact one of our team of insurance experts today on 0345 565 0935 for more information.

Frequently asked questions about life insurance for pilots

Do I need private pilot life insurance?

Private pilots who have families, homes, or partners should think about getting life insurance or other forms of personal protection. A private pilot who faces higher dangers should undoubtedly think about some type of personal protection policy, as should the majority of people with non-hazardous hobbies.

Is private pilot life insurance different to commercial pilot life insurance?

The risks associated with a private pilots life insurance policy and a commercial pilots life insurance cover differ significantly. For obvious reasons, the equipment that will be used, the number of hours that a commercial pilot flies compared to a private pilot, and the level of training needed to become a commercial pilot are the three main differences.

Does Life Insurance cover pilots?

Yes, life insurance can cover pilots, but there are specific considerations and factors that may affect the coverage and premiums. It’s essential to understand the details. Your occupation as a pilot may lead to higher life insurance premiums because of the perceived risk. Insurance providers consider factors such as the type of aircraft you fly, your flight hours, experience, and safety records. Premiums may be more affordable for commercial airline pilots compared to private or recreational pilots.