Category: Sports

We are a top insurance expert for people who may be classed as higher risk because of the sport that they do or their occupation which includes White water rafting life insurance. There are a number of main points and factors that should be considered when applying for this type of cover such as what is the most important thing for you to provide cover for. Most people would want to provide some financial security to their family and loved ones in the event of anything unfortunate happening to them which may result in possible financial detriment. There are a number of reasons why you should strongly consider White water rafting life insurance much the same as standard life insurance which provides cover to protect your family, your home or your business if anything happens to you. There are also a number of key elements which would determine the price that you will pay for cover for your situation.

In this section we look at whether activities such as white water rafting will have an impact on your premiums as well as the other standard factors which will determine your premiums. It is important that we consider all of your options as well as your circumstances to provide you with the right White water rafting life insurance for you.

Some of the main considerations for underwriters when assessing an application for White water rafting life insurance include:

• How frequently do you take part in this activity
• Where do you travel to as part of your sport
• Do you take part in any competitive white water rafting
• Are you a professional such as an instructor

If your application for White water rafting life insurance is fairly low risk then you may find that your premiums will stay the same and there will be no further underwriting requirements. If you have more specific risks to consider such as more frequent or competitive activities then you may find that your premiums are impacted which should not be particularly high based on this activity.

Underwriting will also vary from one insurance provider to another based on what your circumstances are and whether you have any additional requirements. It is advisable to speak to an expert when applying for White water rafting life insurance to ensure that you get your cover with the best insurance providers based on your needs and circumstances.

You should also be aware that your premiums for White water rafting life insurance will be based on the same key points as any other life insurance application which will include:

• How much cover do you need and what is your cover for
• What is the term or period of time that you want to take your cover over
• Which type of life insurance policy are you looking for

There are also a number of standard lifestyle factors which will determine what your premiums for White water rafting life insurance will be which includes:

• Are you a smoker or have you smoked in the past 12 months
• What is your height and weight (body mass index)
• How much alcohol do you consume on average per week
• Have you ever been diagnosed with a medical condition
• Is your occupation classed as hazardous or high risk

When applying for White water rafting life insurance you will find that your application form will ask a number of questions about you, your lifestyle and your health which are the same or very similar for most insurance companies. Your adviser will be able to guide you through this process by processing the application for you and asking all of the relevant questions as required.

If you need more help or advice to get competitive premiums for White water rafting life insurance then you should contact one of our team of experts on 0345 565 0935 today.

Sports Financial is a leading expert in helping people to find insurance if they are involved in a high risk or extreme sport which can include people looking for Life Insurance for Free Climbers. There are a number of reasons why this type of hobby or sport ca be classed as non-standard by insurance underwriters which will also potentially play a part when applying for Life Insurance for Free Climbers depending on your situation and other key factors. By speaking to one of our team of Life Insurance for Free Climbers experts you are giving yourself an increased chance of being able to get the cover that you need and reducing the premiums that you will be paying. We have helped thousands of people to protect their families who have non-standard lives because of their sport or occupation.

Here we look at how an application for Life Insurance for Free Climbers will be reviewed and assessed by insurance underwriters to give you the relevant information to make your choices in terms of cover. You should be aware that if you want to protect your family or loved ones and you take part in an extreme sport then you may find that there are additional requirements.

Some of the key factors for Life Insurance for Free Climbers will include:

• How often do you go climbing
• What level of difficulty do you climb to
• Where do you travel to when you take part in your free climbing
• Do you take part in any competitions

You should be aware that there will be a list of main points which will be considered by underwriters when applying for Life Insurance for Free Climbers which will determine what your premiums will be.

If your activities are considered to be hazardous enough then you may find that you could also have restrictions on the type of cover that is available, such as:

• Permanent and total disability cover
• Critical illness cover
• Income protection

You should also find that your premiums for Life Insurance for Free Climbers will be based on a number of normal factors which include:

• How much cover do you need and what is your cover for
• What amount of time or period would you like to take cover over
• Which type of Life Insurance for Free Climbers policy do you need

When you apply for any life insurance policy you will generally be quoted a standard rate premium which will be the base rate based on no additional risk factors but that can also change depending on your health or your medical situation.

Other lifestyle based conditions will include:

• Do you smoke or have you smoked tobacco in the past 12 months
• What you height and weight is (body mass index)
• How much alcohol do you consume on average each week
• Do you suffer from a pre-existing medical issue
• Is your job classed as hazardous or dangerous

When you apply for Life Insurance for Free Climbers you will be required to complete a questionnaire or application which will ask for a list of information about your circumstances. You should make sure that you answer each question openly and accurately based on your own situation to ensure that underwriters have all of the information that they need to make a decision about your cover.

If you need more help or advice to get a competitive quote for Life Insurance for Free Climbers then you can contact one of our Sports FS expert advisers on 0345 565 0935 today and we will do our best to help you protect your family.

Sports Financial is a partner to the BMC and we provide British mountaineering council insurance advice to its members as we specialise in working with people who take part in extreme sports such as mountaineering. Our team of experts has been working with the BMC offering British mountaineering council insurance from our team of specialists to give people the cover they need. There are clearly risks relating to mountain sports and life insurance, critical illness cover and income protection so our British mountaineering council insurance services are specifically tailored towards people like you.

Main types of actives we offer for British mountaineering council insurance policies are:

• Climbing (including rock climbing, sports climbing, bouldering and more)
• Winter mountaineering/ice climbing
• Abseiling
• Winter sports (e.g. skiing, snowboarding, telemarking etc.)

There are a number of risks relating specifically to our British mountaineering council insurance for life insurance which includes:

• Falling from heights
• Equipment failure
• Adverse weather conditions
• Avalanche or Rock Fall

Our team of specialist British mountaineering council insurance experts has several year’s experience from working with a vast range of people and circumstances which gives us a head start over our competitors. We work closely with insurance providers and underwriters to give us a detailed and in-depth knowledge of where your application for life insurance will be best placed.

Advantages of British mountaineering council insurance

There are a number of reasons why our British mountaineering council insurance policies will work for you which include:

• Increased chances of obtaining competitive premiums
• Faster turnaround times on applications for cover
• Less chance of wasting time with pointless applications
• Specialist products and services specifically designed climbers/mountaineers

You may also have recently applied for life insurance, critical illness cover or income protection to provide cover for you and your family and either not been able to get cover or have had an offer with an increased premium. There is a strong possibility that our British mountaineering council insurance experts will be either able to reduce your premiums or improve your offer of cover simply by applying to the right companies for you.

Some of the other key elements that will determine the premiums that you might pay for our British mountaineering council insurance policies are:

• How often you take part in dangerous or extreme sports
• What level of severity you climb to or are up to
• Where you go to climb or go mountaineering
• Do you take part in competitions
• Have you got any climbing qualifications

There are a number of other standard factors which would also have an impact on your premiums for British mountaineering council insurance cover which include:

• Amount of life insurance you need (£’s)
• Term of cover in years
• Which type of life insurance cover you need

For more information about our British mountaineering council insurance services you should contact one of our team of experts on 0345 565 0935.

Sports Financial is a leading insurance expert for people who take part in extreme sports or who have dangerous occupations which includes Kiting life insurance which can be classed as hazardous. There are a number of kite sports which can result in higher levels of underwriting due to the risks involved which means that you might find it slightly more difficult to get Kiting life insurance in some circumstances. You may need to protect your family because of the risks that you experience as part of your sport or simply because you want to provide them with some financial security to cover your mortgage, income and other financial responsibilities.

There are a wide range of requirements when it comes to applying for any life cover which will be all included within the questions on your Kiting life insurance application form. Our team of expert advisers will guide you through the process of applying for personal protection to provide you with the peace of mind you need in the event that something happens to you or to you and your partner.

Types of Kite Sports:

• Kitesurfing
• Land kite
• Snow kite

There are clearly risks relating to all types of Kiting life insurance based on the fact that these sports all have elements of danger. You will generally find that there should be no major issue in being able to get a policy to cover you and your family in the vast majority of cases.

Some of the main issues and criteria for underwriting Kiting life insurance:

• How often do you take part in kite sports
• Which type of kite sport(s) do you do
• Where do you go to do your kite sport
• Do you take part in any competitions or professional kite sports

There are a number of reasons why you might find that your application for Kiting life insurance could be assessed more strictly than a standard life insurance application. It may be that you take part in competitive kite sports or that you are a professional kite sports person such as an instructor.

Some of the standard factors which would be taken into consideration when applying for Kiting life insurance are:

• How much cover do you need and what is the cover for
• How long would you like to take your cover for
• Which type of life insurance do you want

There will also be a number of lifestyle factors which would be taken in to consideration on your application for Kiting life insurance which would be:

• Do you smoke or have you used nicotine in the past 12 months
• What is your height and weight (body mass index)
• How much alcohol do you consume on average per week
• Do you suffer from a pre-existing medical condition

For more information or a free quote for Kiting life insurance you can contact one of our team of experts on 0345 565 0935 today.

Sports Financial is a top insurance expert for people who take part in extreme sports which can be classed as non-standard or high risk for underwriting which includes Freerunning life insurance. As this is a relatively new or young extreme sport then there is not a big case history for this type of activity which means that you should in most cases find that it should not be a major issue to get Freerunning life insurance. You should generally find that there will be one or two questions on your application which will ask anything about this type of activity which will be ‘whether you take part in any extreme sports’ and then potentially underwriters may ask for more information.

Speak to one of our team of specialist advisers if you are unsure about what to do about applying for Freerunning life insurance to protect your family or loved ones. The majority of applications for Freerunning life insurance will be offered at the same rate as someone who does not take part in extreme sports as long as you do not have any other health issues.

Some of the main factors which would impact an application for Freerunning life insurance:

• Do you exceed certain heights when you do freerunning
• How often do you go freerunning
• Have you experienced any major injuries as a result of freerunning

There are a number of other factors which would determine your premiums for Freerunning life insurance which includes:

• How much cover do you need and what is the cover for (£’s)
• How long would you like to take your policy out for (years)
• What type of life insurance policy are you looking for

There are also a number of other key criteria which will impact what you will pay for Freerunning life insurance based on your lifestyle such as:

• Are you a smoker or have you smoked in the past 12 months
• What is your height and weight (body mass index)
• How much alcohol do you consume in an average week
• Do you suffer from any other pre-existing medical conditions

There are a number of possible Freerunning life insurance products that are available to you which you can take for a number of reasons. You should consider which type of life insurance style product that you are looking for and what it is for.

Freerunning life insurance products includes:

• Freerunning life insurance: Family cover, mortgage cover, Family income benefit and whole of life
• Income protection (short term and long term)
• Critical illness cover and serious illness cover

If you need help or advice to find the right Freerunning life insurance policy to protect you or your family then you should contact one of our team of experts on 0345 565 0935 today for a free quote.

Sports Financial is a top insurance specialist for people who take part in extreme sports or who have dangerous occupations which can include Parasailing life insurance, however this is not usually considered to be an extreme sport. Often this type of activity will simply be treated as a recreational activity and therefore if this is your only disclosure then Parasailing life insurance will almost always be accepted at the same rates as someone who does not take part in any dangerous activities.

Often you will be asked about whether you take part in any extreme sports on your application for cover but you will not even need to disclose that you take part in parasailing, regardless of how often you take part in this activity. Most people think that Parasailing life insurance is something that will cause an issue for your application when in reality your adviser should be able to tell you what you need to disclose.

There are many potential risks when taking part in parasailing which is usually something that people will do whilst on holiday but the incident rates for this activity are still low in relation to how much people do this type of activity.

There are a number of other types of similar sports which would generally cause issues for life insurance applications which include:

• Sky diving
• Base jumping
• Hang-gliding
• Paragliding

Any aviation sport will come with risks however Parasailing life insurance is the lowest risk of any of these sports because of the way that it is done. All other aviation sports involve extreme heights whereas this particular sport is something that you do on a fixed line at relatively low heights in comparison to other sports.

Other lifestyle factors that will be taken in to consideration on an application for Parasailing life insurance are:

• Are you currently a smoker or have you smoked in the past 12 months
• What is your height and weight (body mass index)
• How much alcohol do you consume on a weekly basis
• Do you suffer from a pre-existing medical condition

You should also be aware that there are a number of other key areas which would determine how much you will pay for Parasailing life insurance which include:

• How much cover do you need and what is it for
• How long do you need to take cover for
• What type of cover do you want

For more information about your Parasailing life insurance or to get advice on how to protect your family then you should speak to one of our team of experts on 0345 565 0935 today.

Sports Financial is a leading insurance specialist for people who are classed as non-standard because of their sport which may be classed as extreme or high risk such as Free Climbing life insurance. Whether or not you take part in dangerous activities your requirements for life insurance to protect your family should be the same as everyone else. Some people are put off applying for cover such as Free Climbing life insurance because they feel that it may be either too expensive or not available to them which should not be the case. Our expert advisers have many year’s experience in dealing with all types of mountaineer or mountain sports which is why we are able to help so many people. There are a number of possible issues when applying for Free Climbing life insurance which our team will help to guide you through.

In this section of our website we look at whether your application for Free Climbing life insurance will require additional underwriting and look at what you can expect. It is important to make sure that you have the right cover in place to protect your family as well as make sure that you pay the right premiums for your Free Climbing life insurance.

Some of the main considerations for Free Climbing life insurance include elements such as:

• How frequently you take part in climbing
• Do you take part in competitions or are you a professional climber
• Do you have any qualifications
• What level do you climb to

There are a number of main considerations which would determine whether you would potentially require further underwriting or whether your premiums may be impacted. In some cases there could be possible implications on your monthly premiums for Free Climbing life insurance which will reflect the levels of risk on your cover.

Premiums will also vary depending which insurance provider you apply to for Free Climbing life insurance which is due to different underwriting approaches. You may have also previously applied for Free Climbing life insurance in the past but your circumstances may have changed or underwriting may have improved so it could be worth applying for cover.

There are also several standard factors which will play a major part in the cost of your Free Climbing life insurance which will include:

• How much cover do you need and what is your cover for
• What term or period of time are you trying to take your cover over
• Which type of life insurance policy are you looking for

These are the main points which will determine your premiums for Free Climbing life insurance that will provide a standard premium for your cover.

There are also a number of lifestyle related factors which could impact your premiums for this type of cover which include:

• Are you a smoker or have you smoked in the past 12 months
• What is your height and weight (body mass index)
• How much alcohol do you drink on average each week
• Do you suffer from or have you been diagnosed with a pre-existing medical condition
• Is your occupation classed as hazardous or dangerous

Your application for Free Climbing life insurance will often require you to answer question about your lifestyle which will be the same or similar for all insurance providers. Underwriting for Free Climbing life insurance will often vary from one insurer to another based on what their criteria is for each area.

If you need more help to get a quote for your Free Climbing life insurance to protect your family then you should speak to one of our team of experts on 0345 565 0935 today.

Sports Financial is a leading insurance expert for people who take part in extreme sports or for people with high risk occupations which includes non-standard cover such as Cliff Jumping life insurance. There are definite risks involved with this type of activity although the number of people taking part in cliff diving is relatively low compared to more common extreme sports or dangerous hobbies. Anyone looking for Cliff Jumping life insurance will often be asked to disclose information about this activity on their application for cover to ensure that underwriters can accurately assess your situation. If you are looking for Cliff Jumping life insurance to protect your family or your loved ones then you should seek the advice of a specialist.

Some of the main risks when considering Cliff Jumping life insurance which will be taken in to account when applying for cover are:

• Heights
• Dangerous locations
• Adverse weather conditions
• Equipment failure

Anyone who takes part in an extreme or dangerous sport such as cliff diving that needs life insurance to protect their home and families will often appreciate the value of personal protection more than most. If your sport or pass time is hazardous then there are many reasons why you should consider cover such as Cliff Jumping life insurance. There are a number of different types of personal protection policies which can be purchased to ensure that you and your family are covered in the event of anything happening to you, whether it is a result of cliff jumping or not.

Cliff Jumping life insurance products include:

• Life insurance: Mortgage life insurance, family life insurance, whole of life etc.
• Critical Illness Cover and Serious Illness Cover
• Income Protection (Short Term and Long Term)

There are a number of risks that come with extreme sports which may be considered as part of your application for Cliff Jumping life insurance which could also result in your application for cover being offered on special terms.

There are a number of possible outcomes when a non-standard application for life insurance is being processed which could include:

• Increase in premiums to reflect additional risks
• Potential exclusions to policy terms
• Possible exclusions of add-ons (e.g. Total and permanent disability)

There are also a number of other lifestyle factors which would be taken in to consideration when underwriters assess an application for Cliff Jumping life insurance.

The usual criteria for any life insurance application will be:

• Are you a smoker or have you smoked in the past 12 months
• What is your height and weight (body mass index)
• How much alcohol do you consume in a week on average
• Do you suffer from any pre-existing medical conditions

Your application for Cliff Jumping life insurance will be assessed based on your complete circumstances which will include everything that you have disclosed on your application form. If you have previously applied for cover but had cover declined or been offered special terms then you should contact one of our team of experts  today on 0345 565 0935.