Category: Occupations

Skydiving Life Insurance

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If you are a looking for life insurance for your skydiving activities then we are here to help.

Whatever you skydiving experience speak to us today about indoor parachuting, static line skydiving, tandem parachute jumps or solo skydiving.

At Sports Financial Services we have developed, over many years, an expertise in providing financial protection for many extreme sports and occupations.

We are happy to speak to you about cover for all sorts of air sports including:

  • Life Insurance for parachuting
  • Life Insurance for hang gliding
  • Life insurance for paragliding
  • Life insurance for paramotoring

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

If you require a lump sum to be paid following an accident or natural death then you may want to consider Life Insurance. Alternatively, if you are concerned that a skydiving accident could affect your ability to work for a while then an income protection policy may be another choice for you.

Life Insurance cover skydiving

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.

Skydiving Life Insurance quotes

Contact Sports Financial Services today to discuss your needs in relation to skydiving financial protection, including:

  • Life insurance for skydiver
  • Mortgage protection for skydivers
  • Critical Illness Cover for skydivers
  • Serious Illness Cover for skydivers
  • Income Protection for skydivers

Frequently asked questions when skydivers apply for life insurance, critical illness and income protection cover

When applying for Life Insurance cover, Mortgage Protection, Critical Illness Cover, Serious Illness Cover or Income Protection for skydiving, 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 skydiving.

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 weight (and body mass index)
  • Your height
  • Your medical history
  • Your age
  • Your occupation

Additional questions, related to your skydiving, could include your:

  • Governing Body membership
  • Qualifications & training
  • Number of jumps and/or frequency
  • Type of skydiving
  • Maximum skydiving height
  • Competition participation
  • Professional or instructional work
  • National or international participation in skydiving

Finally, questions relating to the amount of cover you require will be sought, such as:

  • 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 skydiving policy.

Business protection for skydivers

For those 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

Sports Financial Services are also happy to speak to those who work as skydiving instructors and those who are employed in the skydiving industry to discuss their specific needs.

Here to help skydivers

Even if you have an existing skydiving Life Insurance 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 protecting your mortgage payments or providing for a family or spouse then speak to us about Life Insurance, Critical Illness and Income Protection for all your parachuting pursuits.

You can speak to one of our experienced advisers at Sports Financial Services today on 0345 565 0935 for a no obligation quote.

Life Insurance For Armed Forces

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life insurance for armed forces

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:

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.

Here to help members of the military

Even if you have an existing military Life Insurance 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 protecting your mortgage payments or providing for a family or spouse then speak to us about Life Insurance for Armed Forces personnel.

You can speak to one of our experienced advisers at Sports Financial Services today on 0345 565 0935 for a no obligation quote.

Life Insurance For Offshore Workers

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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.

Life Insurance For Rope Access Workers

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life insurance for rope access workers

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:

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:

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:

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:

Typical occupational questions relating to rope access technicians could include:

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

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

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:

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.

High risk life insurance carriers

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Sports Financial specialises in working with people who take part in extreme or dangerous sports because we have an in-depth knowledge of High risk life insurance carriers to be able to tell you where to find the most affordable cover. Insurance underwriting will vary dramatically from one provider to another and it is true to say that rates for High risk life insurance carriers will vary dramatically in some cases. The main reason for speaking to a specialist such as Sports Financial is that we know which insurance companies offer the best rates and premiums for your individual circumstances and therefore High risk life insurance carriers are different because of their own attitudes to risk.

Which are the best High risk life insurance carriers?

Often underwriting will determine which of the top insurers will provide you with the lowest premiums for your own circumstances. Underwriting is the same for most types of insurance which includes life insurance, travel insurance and medical insurance as premiums will be based on risk.

How you determine which High risk life insurance carriers is best for you will be based on:

You will find that your application for cover for each High risk life insurance carrier will incorporate a list of key questions to help them to determine how much risk is involved for you.

How much do High risk life insurance carriers cost?

Usually the same normal high street insurance companies will also provide High risk life insurance carriers rates as well depending on their underwriting.

The cost of cover will purely depend on standard factors such as:

The cost of cover from any High risk life insurance carrier will be determined by a number of key factors which will also link back to your:

Ultimately the price that you pay for a policy from any of the High risk life insurance carriers will vary depending on whether your lifestyle would attract an increase in rates.

Will my premiums increase for High risk life insurance carriers?

It is likely that if you take part in an extreme sport or dangerous hobby that you will be subject to some level of specific underwriting which would usually be carried out by an actual person rather than a computer. Depending on with of the High risk life insurance carriers you select will determine which level of premium increase you might pay.

Increases in premiums or premium loadings from High risk life insurance carriers will vary and so you should ensure that you speak to the best ones. A premium loading can increase from 0% to 250% with some providers and very rarely will they be the same for each company so you should speak to an expert if you are classed as high risk.

What products are available from High risk life insurance carriers?

The main products which are available from most High risk life insurance carriers are:

For the most competitive rates from High risk life insurance carriers to protect your loved ones you should contact one of our team of experts today on 0345 565 0935 for more information. The most important point for us is to make sure that you and your family are covered in the event of anything happening to you.

Life insurance for high risk people

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It can be difficult to find insurance if you are classified as non-standard because of your sport or hobby which is where Sports Financial which is an expert at dealing with Life insurance for high risk people. You may already know that insurers will vary their rates and premiums for people with special requirements from an underwriting perspective which can result in significant differences in the monthly premiums that you will pay. An expert in dealing with Life insurance for high risk people will have a very good understanding of each insurance providers criteria which means that companies such as Sports Financial will be able to identify which insurers would offer the most favourable rates.

How does Life insurance for high risk people work?

The first thing to remember about Life insurance for high risk people is that you must disclose all information about your circumstances to your adviser to give them enough information to give you the right advice. If you fail to disclose information on your application for Life insurance for high risk people then you may find that there could be an issue at the point of claim which is a major issue.

There are a number of key factors which will have an impact on the premiums that you will pay for Life insurance for high risk people which includes:

If you are classified as high risk due to any of the criteria above then you may find that it will have an impact on the premiums that you will pay or on the cover that is available to you. This is where a specialist company like Sports Financial will be able to help with your application for Life insurance for high risk people as we know which insurers consider these elements more high risk than others.

How much will I pay for Life insurance for high risk people?

It is important to understand that you must firstly begin with your standard premiums before considering whether there is an additional loading/rating for your cover based on your circumstances. Generally if your sport or hobby is considered to be low to moderate risk then you may pay the same premiums for Life insurance for high risk people as someone who is considered to be lower risk.

You may find that if you take part in a sport at a competitive level for example that you may end up with a slight or moderate increase in your Life insurance for high risk people premiums. The most common way for premiums to increase for Life insurance for high risk people is based on a percentage of the original or standard premium which will be calculated based on your circumstances and which insurer you are applying to.

What types of cover are available for high risk people?

Generally the easiest and most flexible in terms of underwriting will be Life insurance for high risk people, whereas other types of cover such as critical illness and income protection could be slightly more difficult. Often you should be able to get a critical illness cover policy in most cases and you may find that income protection cover could be slightly more difficult depending on your circumstances.

Life insurance for high risk people will always be cheaper premiums than critical illness cover and income protection purely based on the levels of risk of claim for these types pf policies. If you take part in sports which increase your risk of injury such as broken bones, factures and other musculoskeletal issues then your premiums may increase to reflect that.

If you need more advice or help to get a quote for Life insurance for high risk people then you can contact one of our team of experts today on 0345 565 0935.

High risk life insurance providers

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It can often be difficult to find the best High risk life insurance providers for your individual circumstances unless you have previous experience or you choose to use a specialist insurance company such as Sports Financial. It can seem like a bit of a mine field from the beginning and you may be put off applying for cover simply because you do not know which are the best High risk life insurance providers for you. Also there are significant differences in underwriting criteria from one High risk life insurance providers to another which changes regularly depending on how common the activity or occupation is as well as other possible problems such as claims statistics.

Sports Financial specialises in working with people who take part in extreme sports or dangerous hobbies to help them to find cover to protect their families by identifying which High risk life insurance providers are the best for our clients. Some of the key issues with trying to find which are the top High risk life insurance providers for our clients is simply by the fact that we have such a large amount of experience and deal with underwriters so regularly.

Which are the top High risk life insurance providers?

There is no right or wrong answer to this question because the simple fact that there are an infinite number of possible variables when it comes to underwriting high risk life insurance. It is true that there are High risk life insurance providers that are better or more flexible than others which means that they are simply better at underwriting high risk life insurance than more standard providers.

It may also be that the lowest priced standard insurance providers are not the cheapest High risk life insurance providers based on the type of markets that they target which tend to be quick and easy underwriting.

Can I buy High risk life insurance providers policies online?

It might be possible to get a policy from a High risk life insurance provider from one of the price comparison or aggregator websites however the chances of getting the most suitable policy for you can be slim. Often the best High risk life insurance providers rates will not be the cheapest premiums on price comparison sites and applications for non-standard cases.

It will often be better and advisable to deal with a specialist insurance company when applying for cover from one of the leading High risk life insurance providers purely to find the most competitive cover and premiums.

What will High risk life insurance providers want to know?

The questions for any application for life insurance will always be the same unless you are applying direct online with a High risk life insurance providers in which case your questions may vary based on their underwriting rules engine.

Some of the key questions that will be asked by almost all High risk life insurance providers will include:

You will also find that High risk life insurance providers will want to know about the standard lifestyle criteria which includes:

Your premiums will also depend on the following:

For more information or free advice to find the best High risk life insurance providers for your circumstances to help protect your family call 0345 565 0935 today.

Life insurance for pilots

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life insurance for pilots

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:

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:

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:

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:

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.

High Risk Life Insurance Quotes

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Sports Financial is a specialist in providing competitive High risk life insurance quotes for people who take part in dangerous sports or who have hazardous occupations. Most insurance companies will struggle when it comes to dealing with people who are classified as non-standard or adverse risk and you may end up paying more for cover purely by getting your High risk life insurance quotes from the wrong company. If you are applying for cover via a price comparison website for example, often you will find that your initial quote or premiums that you are offered will be lower than what you will end up paying for cover.

It is also possible that when looking for High risk life insurance quotes that you may have already been declined cover elsewhere which is when our specialist advisers provide invaluable support. Your individual circumstances may not suit certain insurance providers criteria however that doesn’t necessarily mean that you are uninsurable.

If you need a High risk life insurance quotes to protect your family then speaking to one of our team of sports and occupations could help you to get the cover you need and to save money on your premiums.

What is a High risk life insurance quote?

There are a number of key factors which would be considered to be potentially key for High risk life insurance quotes which are:

Anyone who discloses information on their application for life insurance with details that may be classed as non-standard should find that their premiums will depend on:

When applying for a High risk life insurance quote to protect your family you should ensure that you always disclose information requested by answering all questions accurately and honestly. If you fail to disclose all facts as required by your insurance adviser then you may find that there are issues at the point of claim potentially.

Why are High risk life insurance quotes different to normal premiums?

The main reason that High risk life insurance quotes can be higher than standard life insurance quotes is to reflect the potential for any increase in risk of claim which is how cover is priced. Insurance companies will regularly review their pricing structure for all types of circumstances which will include sports, occupations and medical conditions.

The more complicated your circumstances then the more potentially time consuming it can be to get cover and where your High risk life insurance quotes can take longer to obtain.

Your premiums for High risk life insurance can vary depending on which insurer you are applying to and your own circumstances, including:

If you need more help or advice to get a free competitive High risk life insurance quote then you can contact one of our team of experts on 0345 565 0935 today.

Best life insurance for pilots

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Sports Financial specialises in helping people with dangerous occupations and hazardous hobbies to find cover to protect their loved ones which includes Best life insurance for pilots. Aviation is one of the main areas where there is a strong possibility that someone can do this activity as a profession or as a hobby so there are two very different ways to look at the Best life insurance for pilots. There are obvious risks for anyone who takes part in flying activities as part of their occupation or as a recreational activity.

There are a number of potential activities which can fall under the Best life insurance for pilots including:

Each of these different flying activities will be viewed differently so the Best life insurance for pilots will vary depending on which type of flying you take part in. Generally you will find that in most cases it is possible to get standard terms from the Best life insurance for pilots where the underwriting is particularly good for this type of activity.

You should also be aware that there will be a number of other standard criteria which would be taken in to consideration by the Best life insurance for pilots companies which will include:

Each of the Best life insurance for pilots policies will be based on similar criteria and the questions on your application forms will be more or less the same. You will find that your premiums for pilots life insurance will then be purely based on the insurers attitude to risk which can vary significantly depending on your circumstances.

Most of the Best life insurance for pilots policies will also depend on several key factors regarding your activity which includes:

Your enquiry for the Best life insurance for pilots will also be based on some standard lifestyle questions which will be asked as part of your application which will include:

You should find that most types of cover should be available from the Best life insurance for pilots companies which includes all types of life insurance, critical illness cover and income protection. There will be different levels of criteria for different products which will depend on which type of cover you are looking for, such as critical illness cover and income protection. There is also a possibility that there will be differences in the cover options that are available for the Best life insurance for pilots which could be exclusions or possible increases in premiums depending on levels of risk.

If you need more help or advice to find the Best life insurance for pilots based on your circumstances to protect your loved ones or your home then you should contact one of our team of experts on 0345 565 0935.

Sports Financial has helped thousands of people to protect their families like yours so you know that you are in the right hands with our team of life insurance experts.

Contact us now for your life insurance quote or apply online

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