Category: Sports

What is ice climbing?

Typically ice climbing is the ascent of ice formations such as icefalls, frozen waterfalls or rock that is covered in ice that has frozen from a flow of water. Ice climbing can be challenging due to the nature of the environment and weather conditions. Protecting routes can also present a challenge. Climbers are normally roped and placed with protection during an ice climbing ascent.

Climbers usually distinguish between pure ice climbing and Alpine / Scottish Winter climbing. In Alpine / Scottish Winter conditions ice is typically encountered in the mountain environment and is climbed as part of a longer ascent of a route to reach a mountain summit. In contrast, ice climbing is typically a more technical activity on frozen liquid flows of water. 

True adventure sports like ice climbing call for participants to be prepared to deal with the unexpected. Ice climbers must remain alert due to the technical nature of the sport, unexpected weather, and changes in the ice conditions.

Why should I consider ice climbing insurance?

There are a number of reasons why you should think about getting ice climbing insurance. Cover options typically range from straightforward life insurance to help support a family if the worst was to happen, to income protection that could provide some level of benefit if you are unable to work as a result of an accident. 

When it comes to ice climbing, we have over 20 years of experience helping to find protection for climbers and mountaineers, so you are in safe hands.

What are the main factors that underwriters consider when assessing an application for ice climbing insurance?

• Altitude
• Geographic location 
• Your general health and fitness 
• Your climbing grade
• Any pre-existing health conditions 
• Any other hazardous sports you pursue

The availability of cover will be dependent on a number of factors and your answers to the questions above. When applying for life insurance for ice climbers we will discuss your health, lifestyle and any other hazardous pursuits for which you would like to obtain cover.

What are the standard questions I will be asked when my application is assessed for ice climbing insurance?

When you enquire about ice climbing insurance, we will discuss a number of personal, lifestyle and health-related topics, such as:

• Do you smoke or have you smoked in the past 12 months?
• How much alcohol do you consume on average each week?
• What is your height and weight (body mass index)?
• Have you ever been diagnosed with or do you suffer from a pre-existing medical condition?
• What is your occupation and is it classed as high risk?
• Would you like cover for other activities in addition to ice climbing?

Can Sports Financial Services provide me with ice climbing insurance?

Sports Financial Services specialises in providing financial protection to those who engage in hazardous hobbies and occupations. Because ice climbing requires technical expertise and is often done in challenging conditions, ice climbing insurance frequently calls for more specialised types of insurance. 

With over 20 years of experience, Sports Financial Services are a great choice when it comes to providing people with the right advice and protection. Whether you want to talk about the best life insurance, critical illness insurance, or income protection insurance for your ice climbing you have come to the right place. 

Speak to one of our sports specialist advisors today to find out more, or alternatively fill out our online contact form. 

Finally, as an additional service, we work closely with our parent company, Suttons Independent Financial Advisers. So, if you require any further information about other financial services such as pensions, investments, mortgages or financial planning please visit www.suttonsifa.co.uk .

Life in the Air Force can be a challenging activity as it demands a wide range of skills and the ability to operate in challenging environments. Therefor, an Air Force life insurance policy can often require more specialist types of cover.

The underwriting of an Air Force life insurance policy can vary depending on the insurance provider as well as the type of military activities you are engaged in. For this reason, specialist advice can be beneficial in obtaining the right cover for you and your particular circumstances.

When looking for specialist insurance for extreme pursuits like Air Force life insurance you may come across additional requirements in order for underwriters to fully understand your military activities. Some financial protection may cost more (or be excluded) because of the nature of your activities.

Air Force Life Insurance Policy with Sports Financial Services

Our 20-year history of helping people who engage with hazardous sports and occupations means that we understand the needs of those that operate at the extremes. Because we have been working, for many years, with people who enjoy outdoor sports and occupations, we have a great deal of experience of discussing cover for individuals in the Army, Navy and the Royal Air Force.

When enquiring about an Air Force life insurance policy, there will be a number of things we need to discuss about you and your lifestyle. Here are some of the things we may need to consider:

• How is your health and lifestyle? (e.g., alcohol consumption, exercise and smoking)
• What is your current employment and does it take you on international travel? (e.g., UK, Europe and/or Worldwide)
• What type of Air Force activities do you participate in?
• Do you participate in hazardous sports and pastimes?

Such questions, and many more, will help us find the facts that insurance companies require in relation to you, your occupation and your lifestyle.

Critical illness cover and Income Protection with Sports Financial Services

If you are looking to cover specific illnesses or medical conditions that might disrupt your life, family and finances, then speak to our specialists at Sports Financial Services.

Critical Illness Cover and Income Protection cover for some occupations may result in premium loadings, restrictions or exclusions. When you make an enquiry your adviser at Sports Financial Services will discuss your needs and the options available to you.

Why you should choose us for Air Force Life Insurance Policy

Whatever Air Force role you hold please contact Sports Financial Services to discuss your needs. Because we specialise in sport and hazardous occupations you can speak to us about options for a wide array of different activities.

You can speak to our advisers at Sports Financial Services about a range of financial protection such as Life Insurance, Mortgage Protection, Income Protection and Critical Illness Cover.

If your requirement for Air Force life insurance extends into other outdoor sports and hazardous activities, we also offer cover for a large number of high-risk sports, such as:

• Paragliding life insurance
• Skydiving life insurance
• Rock climbing life insurance
• Mountaineering life insurance
• Caving life insurance

About Sports Financial Services

Over 20 years ago, Sports Financial Services was first established as Summit Financial Services ( www.summit-fs.co.uk ). Over time, we came to realise that many of those original climbers and mountaineers who decided to take cover with us also took part in a variety of other outdoor pursuits (e.g., scuba diving, mountain biking, skydiving, caving, canoeing, cycling and skiing). As a result, we gained knowledge in a variety of outdoor pursuits for which people were looking for cover.

In response, Sports Financial Services was established to serve the need of a larger outdoor sports market. In addition, we discovered that a certain group of people approached us in search of insurance for connected professional and recreational pursuits. As a result, we built expertise in finding coverage for related and hazardous occupations, such as military work, mountain guiding, rope access workers, and offshore labour.

About Life Insurance for Navy

Being in the Navy can be difficult since it requires a diverse set of abilities and the capacity to work in difficult circumstances. As such, life insurance for Navy personnel can often require more specialist types of cover. Here Sports Financial Services can help you with discussions about life insurance, mortgage protection, income protection and critical illness cover.

Depending on the insurer and the kind of military activities you are involved in, there may be differences in how life insurance for navy personnel is viewed by different underwriters. This is why getting specialised advice can help you find cover for your unique situation.

In order for underwriters to completely comprehend your military activities, you may encounter some additional criteria when seeking cover for specialised insurance for extreme pursuits like service in the Navy. Due to the nature of your activity, some forms of financial protection may cost extra (or not be available). You will have an in-depth conversation about this with your own Sports Financial adviser when you enquire about life insurance for Navy personnel.

Here are some areas that insurers might consider when assessing your enquiry for Navy life insurance:

● How is your health and lifestyle? (e.g., alcohol consumption, exercise and smoking)
● What is your current employment and does it take you on international travel? (e.g.,
UK, Europe and/or worldwide)
● What type of Navy activities do you participate in?
● Do you participate in hazardous sports and pastimes?

What is Critical Illness Cover?

Critical illness cover is a way to cover specific illnesses or medical conditions that might disrupt your life, family and finances. Your adviser at Sports Financial Services will discuss the different types of conditions that can be covered.

Anyone who engages in risky activities and requests information on critical illness coverage will have their request evaluated in light of the activities they engage in. Cover for different types of activities and occupations will be assessed differently.

What is Income Protection?

Income protection is a crucial option to take into account, especially if you engage in hazardous activities and occupations such a military work. If you are unable to work because of an illness or injury, income protection may provide you peace of mind.

You might want to think about what would happen if you had a loan, mortgage, credit cards, regular expenses, or family financial obligations and were unable to make the payments due to a lack of income if you were unable to work. Applications for income protection are subject to a number of conditions, such as whether you have ever been hurt while engaging in your activities and whether those injuries have required you to have time off work.

Again, your specialist adviser at Sports Financial Services will discuss the options available to you and you particular circumstances.

Why Choose Sports Financial Services for Life Insurance for Navy personnel?

Regardless of your occupational pursuit, we are here to talk about your protection needs.

Sports Financial Services are a team of insurance experts with many years of expertise working with people who engage in dangerous sports and occupations. We are aware of how important is to find affordable life insurance for Navy personnel.

The main types of protection that we can discuss with you include:
• Life Insurance
• Mortgage Protection
• Critical Illness Cover
• Income Protection

Even if you have an insurance policy in place, have been declined life insurance for Navy work in the past or have previously experienced problems obtaining life insurance then you should speak to our extreme sport and occupation experts.

Piloting a helicopter is demanding and requires technical skill and the ability to operate in challenging environments. Because of this, and other factors, helicopter pilot life insurance can often require more specialist types of cover.

Here at Sports Financial Services, we are happy to discuss a range of financial protection options such as life insurance, critical illness cover, income protection and mortgage protection.

Critical illness cover is a type of financial protection that covers specific illnesses or medical conditions that might disrupt your life, family and finances. Your adviser at Sports Financial Services will be able to discuss the range of medical conditions and the type of cover available to you.

Income protection is a type of cover that people may consider if they are concerned that an accident or illness may cause them to have to have time off work and face challenges meeting bills and other financial obligations.

Participation in some sports, hazardous pursuits and occupations may result in premium loadings, special terms, restrictions or exclusions. Your sports and occupations specialist at Sports Financial Services will talk you through the options available to you.

What happens when you enquire about helicopter pilot life insurance?

When looking for specialist insurance for extreme pursuits like helicopter pilot life insurance you may come across additional requirements in order for underwriters to fully understand your activities. Some financial protection may cost more (or be excluded) because of the nature of your activities.

Here are some areas that insurers might consider when assessing your enquiry for helicopter pilot life insurance:

● How is your health and lifestyle? (e.g., alcohol consumption, exercise and smoking)
● What is your current employment and does it take you on international travel? (e.g.,
UK, Europe and/or worldwide)
● What type of helicopter pilot activities do you participate in?
● Do you participate in hazardous sports and pastimes?

Helicopter pilot Life Insurance with Sports Financial Services

When contacting us about helicopter pilot life insurance, critical illness cover or income protection your personal adviser at Sports Financial Services will discuss the detail with you. They will also want to understand your particular circumstances so that cover is appropriate to your needs.

Our 20+ year history of helping people who engage with hazardous sports and occupations means that we understand the needs of those that operate at the extremes.

Because we have been working, for many years, with people who enjoy hazardous outdoor sports and hazardous occupations, we have a great deal of experience discussing cover for a many different hazardous pursuits.

Even if you have an insurance policy in place, have been declined helicopter pilot life insurance in the past or have previously experienced problems obtaining life insurance then you should speak to our extreme sport and occupation experts.

Speak to one of our specialist sport and occupation advisers today to find out more about helicopter pilot life insurance, or fill in our contact form today.

Like most extreme and hazardous sports, skiing life insurance should be considered if you take part in the skiing. Whatever type of skiing you participate in (e.g., piste, Alpine, cross country or ski-mountaineering) speak to a specialist at Sports Financial Services to discuss your needs. Depending on your level of participation it is always important to consider the kind of danger and risks involved with skiing activity and the challenging environments in which you operate. 

When enquiring about skiing life insurance there will be a number of details you will need to discuss with your personal adviser. Some of the main items you will need to disclose in this process of enquiring about skiing insurance cover are: 

• How often you participate in skiing activities 
• Where in the world do you ski (e.g. Europe or worldwide)
• Do you ski competitively or recreationally 
• Do you ski off-piste

There are additional factors which determine the premiums you pay for skiing life insurance such as the amount of cover required, term of your policy and the type of cover.

Skiing Critical Illness Cover 

If you take part in skiing recreationally then you may want to discuss the availability of critical illness cover. If you take part in skiing competitively or under extreme circumstances, you might find that cover is offered at different rates or is not available. Your adviser will discuss this with you.

If you have any current health or medical issues, your application may be subject to additional underwriting. 

Skiing Income Protection 

Many insurers will want to know if you have experienced any injuries in recent years, which arose as a result of your skiing activities. 

It is always important to consider skiing income protection due to the number of risks and injuries that come with this type of sport, especially if you have important financial commitments, as you need to consider what would happen if you were unable to meet these payments. 

Why choose Sports Financial Services skiing life insurance, critical illness cover and income protection

Here at Sports Financial Services we are a team of insurance specialists with many years of experience working with those who pursue hazardous sports and occupations. We know how important it is to find skiing life insurance at the right price. 

We are a team of top insurance specialists for people who take part in extreme sports and occupations, including skiing life insurance. Get in touch with us today for free advice or a quote for skiing life insurance, critical illness cover and income protection. 

We are sports specialists and your personal adviser is here to help.

If you are looking for retired army life insurance, get in touch with Sports Financial Services.
We specialise in a range of services including life insurance cover, mortgage protection,
income protection and critical illness cover.

Sports Financial Services was originally created to meet the needs of the wider outdoor
sports market. This led to the development of experience in helping to find cover for related
occupations, for example, military occupations, mountain guiding, rope access and offshore
work.

If you would like to discuss retired army life insurance, you have come to the right place.

What is Retired Army Life Insurance?

Enquiries about retired army life insurance can depend on many factors. These vary
depending on your insurance provider and the type of activities you engaged in. For this
reason, specialist advice can be beneficial in obtaining the right cover for you and your
personal circumstances.

With 20 years of experience within the hazardous sports and occupation industry, Sports
Financial Services have the experience to discuss cover for those operating at the extremes.

When looking for retired army life insurance, you may come across additional requirements
in order for underwriters to fully understand your interests and activities. Some financial
protection may cost more (or be excluded) due to any current occupational or recreational
activities. Your experienced adviser at Sports Financial Services will discuss this in detail
with you.

Here are some areas that insurers might consider when assessing your enquiry for retired
army life insurance:

● Health and Lifestyle (e.g., alcohol consumption, smoking, exercise, past injuries)
● Any current employment and does it take you on international travel? (e.g., UK,
Europe and/or worldwide)
● What type of recreational activities did you undertake?

● Do you participate in hazardous sports and pastimes?
Such questions, and many more, will help us find the facts that insurance companies require
in relation to you, your occupation and your lifestyle.

Critical Illness Cover:

Critical illness cover is peace of mind just in case you develop specific illnesses or medical
conditions that might disrupt your life, family and finances. If you take part in hazardous
activities, your cover may be assessed against this.

Terms may be subject to the type of hazardous sport or current occupational activities you
pursue. Your sports and occupations specialist at Sports Financial Services will talk you
through the options available to you.

Whatever your retired army life insurance needs, please contact Sports Financial Services.

We specialise in sport and hazardous occupations; you can speak to us about options for a
wide array of covers – just contact us to discuss your needs with one of our hazardous sport
and occupation experts.

Why choose Sports Financial Services for retired army life insurance?

Whatever your retirement or occupational pursuits, we are here to discuss your protection
needs. Sports Financial Services are a team of insurance specialists with many years of
experience working with those who pursue hazardous sports and occupations. We know
how important it is to find retired army life insurance at the right price.

The main types of protection that you may want to discuss with us include:

• Life Insurance
• Mortgage Protection
• Critical Illness Cover
• Income Protection

Note that if you keep up a health regime and participate in a regular fitness plan, you may
also want to discuss policies that monitor your fitness and reward you for keeping fit and
healthy.

You can enquire with us even if you have an insurance policy in place, have been declined
retired army life insurance in the past or have previously experienced problems obtaining life
insurance. Speak to our extreme sport and occupation experts to clarify what is available to
you.

In general, the availability of cover and premiums for cover are dependent on a range of
factors such as health, occupation and your other recreational or occupational activities.

Finally, as an additional service, we work closely with our parent company, Suttons
Independent Financial Advisers. So, if you require any further information about other
financial services such as pensions, investments, mortgages or financial planning please
visit Suttons.

Life in the army can be demanding as it requires a wide range of skills and the ability to work
in testing environments. If you are looking for army spouse life insurance for you and your
partner, please speak to Sports Financial Services to discuss life cover, mortgage protection,
income protection and critical illness cover.

Experienced Insurance Advisors

Founded over 20 years ago, Sports Financial Services was established originally as Summit
Financial Services. Since then, we have provided insurance cover for climbers, mountaineers, mountain bikers and many more customers which take part in a mix
of adventurous outdoor activities.

Sports Financial Services was founded initially to meet the needs of the wider outdoor sports
market. After a while, we found a segment of people who came to us looking for
occupational and recreational insurance cover. This led to the development of experience in
the field of hazardous occupation cover. Examples of hazardous occupations include roles
within military occupations, mountain guiding, rope access work and offshore work.

As work in the army demands a level of technical skill and is based in challenging
environments, army spouse life insurance often requires more specialist types of cover. If
you would like to discuss life insurance, critical illness cover or income protection cover for
members of the army, you have come to the right people.

What is Army spouse life insurance?

Army spouse life insurance can vary depending on the insurance provider, as well as the
type of military activities that are engaged in. This is why it is important to seek out specialist
advice so that you can obtain the right cover for you and your circumstances.

If you are looking for specialist life insurance for extreme occupations such as those in the
military, you will be required to disclose what sort of military activities you undertake.
Depending on the nature of your activities, you may find that financial protection may cost more, or be excluded from cover, however your personal adviser at Sports Financial Services will discuss this in further detail with you.

Here are some areas that insurers might consider when assessing your enquiry for army spouse life
insurance:

● Health and lifestyle (e.g., alcohol consumption, exercise and smoking)
● Current employment and does it take you on international travel? (e.g., UK, Europe
and/or worldwide)
● What type of military activities do you participate in?
● Do you participate in hazardous sports and pastimes?

Such questions, and many more, will help us find the facts that insurance companies require
in relation to you, your occupation and your lifestyle.

Life insurance for Army members Vs Critical Illness Cover & Income Protection

Critical Illness Cover:

Critical illness cover is an extra precaution to cover specific illnesses or medical conditions
which could disrupt your life, family and finances. If you are someone who participates in
hazardous activities, your enquiry will be assessed against the activities which you pursue.

Standard rates may be offered for some sports and occupations, with no special terms
imposed, however in some other sports or occupations, they may result in premium
loadings, restrictions, special terms or exclusions. Your sports and occupations specialist at
Sports Financial Services, will discuss the options with you.

Income Protection:

Income protection is an important cover to consider if you take part in hazardous activities.
Choosing to have income protection could provide you with peace of mind if you are unable
to work due to injury or sickness.

If you are injured or sick and unable to work, you will want to make sure you have cover,
especially if you have financial commitments such as loans, mortgages, credit cards and bills
to pay monthly.

When applying for income protection, the cover is dependent on a range of factors. For
example, whether you have previously suffered any injuries from the activities you take part
in, and if this has led you to have time off work.

Similarly, to critical illness cover, participation in certain sports activities may result in
premium loadings, restrictions or exclusions. This will be discussed with you by your adviser
at Sports Financial Services.

Why choose Sports Financial Services for Army spouse life insurance?

We are here to discuss with you your protection needs, whether it be for recreational
pursuits or hazardous occupations.

Here at Sports Financial Services, we are a team of insurance specialists with many years of
experience working with those participating in hazardous sports or occupations. We know
how important it is to find cover for members of the military at the right price.

The main types of protection that you may want to discuss with us include:
• Life Insurance
• Mortgage Protection
• Critical Illness Cover
• Income Protection

Other protection ideas to consider:

● If you keep up a health regime and participate in a regular fitness plan, you may also
want to speak to us about policies that monitor your fitness and reward you for
keeping fit and healthy.
● If you have an insurance policy in place, have been declined life insurance for
members of the army in the past or have previously experienced problems obtaining
life insurance then you should speak to our extreme sport and occupation experts as
there may be new developments in the financial protection market.
● Over time, different insurers come into the market and the terms of others may
change. This will mean that there will be different terms available compared to when
you first applied for cover.

Whatever army role you hold, contact Sports Financial Services and one of our
advisers will discuss with you your options. Due to our knowledge of sports and
hazardous occupation cover, one of our experts will be able to discuss your options
depending on what activities you pursue.

When applying for cover it is important to note that the availability of cover and premiums for
cover are dependent on a range of factors such as your health, type of army job role and
your other recreational or occupational activities.

Finally, as an additional service, we work closely with our parent company, Suttons
Independent Financial Advisers. So, if you require any further information about other
financial services such as pensions, investments, mortgages or financial planning please
visit www.suttonsifa.co.uk

Your personal adviser at Sports Financial Services will also be able to refer you to a contact
at Suttons who best suits your interests.

Sports Financial Services offer expert advice for individuals taking part in outdoor sports or
work in hazardous occupations.

Hazardous occupations can include roles within the army. Life in the army can be very
challenging, especially in dangerous environments, so it is important that you make sure you
have the most appropriate cover for you and your family. If you are looking for army family
life insurance, the experts at Sports Financial Services will be happy to discuss life cover,
mortgage protection, income protection and critical illness cover options with you.

Sports Financial Services have over 20 years of experience in the financial protection
industry. First established as Summit Financial Services, we discovered that many climbers
and mountaineers, who took cover with us, also took part in other extreme sports such as
scuba diving, skydiving, caving and skiing. This led us to develop expertise in numerous
outdoor activities, so we could offer cover for a wider range of outdoor pursuits.

We also discovered that there was a large number of individuals who came to us looking for
occupational and recreational cover. This is what led to the development of experience in
helping to find cover for related occupations, for example, army and military occupations.

Because army occupations can be based in dangerous environments and require technical
skills, this can result in more specialist types of cover being needed. If you would like to find
out more about army family life insurance, you can discuss your options with one of our
occupational and recreational specialists.

What is Army Family Life Insurance?

The choice of Army family life insurance cover can be dependent on insurance providers and
the military activities you undertake. These factors can affect the availability and choice of
cover. It is important to seek specialist advice so that you have the right cover for yourself,
your family and your circumstances.

If you are looking for specialist insurance, such as army family life insurance, you will need
to be aware that some financial protection may cost more, or in some circumstances, be fully
excluded. This is often due to the nature of certain activities. However, your professional
adviser at Sports Financial Services will go through the options with you.

Areas that insurers might consider when assessing your enquiry for army family life
insurance may include:

● Health and Lifestyle choices (e.g., alcohol consumption, exercise and smoking)

● Current employment and any international travel (e.g., UK, Europe and/or worldwide)
● Current military role / type of army activities participated in
● Do you participate in hazardous sports and pastimes?

Asking questions such as these, will help us find appropriate insurance cover for you based
on your answers in relation to your lifestyle choices, occupation and activities.

Army family life insurance Vs Critical Illness Cover and Income Protection

Critical Illness Cover:

Critical illness cover is a way to ensure you and your family are covered in the circumstance
that you develop specific medical conditions or illnesses that affect your ability to work. If you
take part in hazardous activities or occupations, critical illness cover will be assessed these
activities. Some types of cover may be offered at standard rates with no special terms
applied, however, other types of cover may result in restrictions, special terms, premium
loadings or exclusions.

All of these circumstances will be discussed in more detail by your Sport Financial Services
specialist.

Income Protection:

Income protection is important to consider if you take part in hazardous activities. It is a good
reassurance if you are unable to work. Income protection can help contribute to financial
commitments such as loans, mortgages, credit cards and bills if you are not able to work.

When discussing income protection, it is important to note that cover is dependent on many
factors. One factor being if you have previously suffered from any injuries as a result of your
activities and if this has led you to take a significant amount of time off from work.

As with critical illness cover, participation in certain sports and activities can result in
premium loadings, restrictions or exclusions. This again will be discussed with you in further
detail by your specialist sport and occupation adviser.

Why choose Sports Financial Services for army family life insurance?

Due to our many years of experience and knowledge in the hazardous sport and occupation
domain, we will be happy to discuss your protection needs and find appropriate army family
life insurance for you and your family’s peace of mind.

Sports Financial Services are a team of insurance specialists who know how important it is
to find army family life insurance at the right price.

If your requirement for army family life insurance extends into other outdoor sports and
hazardous activities, we also offer cover for a large number of high-risk sports, such as:

● Paragliding life insurance
● Skydiving life insurance
● Rock climbing life insurance
● Mountaineering life insurance
● Caving life insurance

Speak to one of our sports specialist advisors today to find out more about cover for other
hazardous activities.

Sports Financial Services is aware of the many risks and hazards associated with military service. We therefore offer expert advice on hazardous hobbies and high-risk occupations. In order to find a military life insurance company, get in touch with Sports Financial Services.

With over 20 years of experience, we have offered advice and protection to numerous different outdoor sports enthusiasts, such as mountaineers, skydivers and canoeists. As a result, we have acquired industrial knowledge for numerous outdoor pursuits and other related professions.

In addition to offering outdoor sports cover, Sports Financial Services also provides insurance for hazardous occupations, including military roles. Military occupations frequently require a combination of physical and technical expertise and are often carried out in challenging environments. As such, military life insurance typically demands specialised coverage. If you’re looking to explore options for military life insurance, critical illness cover, or income protection, you’ve come to the right place.

Choosing a Military life insurance company

Life Insurance for Military Members vary depending on the insurance provider as well as the type of military activities you are engaged in. For this reason, specialist advice can be beneficial in
obtaining the right cover for you and your particular circumstances.

For many years, we have been working with people who enjoy outdoor sports and
occupations. Because of this, we have a great deal of experience discussing cover for many
outdoor occupations and outdoor activities such as canoeing, scuba diving, mountain biking,
rock climbing, mountaineering, skydiving and skiing.

When seeking specialist insurance for high-risk activities such as military service, you may encounter additional requirements for underwriters to fully assess your military duties. Due to the nature of these activities, certain financial protections may come at a higher cost or face exclusions. Your personal adviser at Sports Financial Services will guide you through these details to ensure you have the right coverage in place.

Our history of helping people who engage with hazardous sports and occupations means
that we understand the needs of those that operate at the extremes.

Here are some areas that insurers might consider when assessing your enquiry for military
life insurance:

• How is your health and lifestyle? (e.g., alcohol consumption, exercise and smoking)
• What is your current military role and does it take you on international travel? (e.g.,
• UK, Europe and/or worldwide)
• What type of military activities do you participate in?
• Do you participate in hazardous sports and pastimes?

Such questions, and many more, will help us find the facts that insurance companies require
in relation to you, your occupation and your lifestyle.

Differences between Military Life Insurance Vs Critical Illness Cover and Income Protection

Critical Illness Cover:

Many who seek critical illness cover are seeking peace of mind. It is important for anyone
who takes part in hazardous activities to make sure that they disclose this during their
enquiry as this affects what type of cover, they can obtain.

Cover for some sports and occupations can be offered at standard rates with no special
terms imposed whilst participation in other sports and occupations may result in premium
loadings, special terms, restrictions or exclusions. Your sports and occupations specialist at
Sports Financial Services will talk you through the options available to you.

Income Protection:

Income protection is important to consider, particularly if you take part in hazardous
activities. Income protection can provide some reassurance if you are unable to work due to
injury or sickness. This can help contribute towards any financial commitments such as
mortgage payments to credit card bills.

Again, applications for income protection are dependent on many factors, for example, if you
have had significant time off work in the past due to injury or sickness, this can affect your
cover. Other factors that can affect income protection include participation in some extreme
sports and activities which may result in premium loadings, restrictions or exclusions. Your
adviser at Sports Financial Services will discuss your needs and the options available to you.

Different types of Military life insurance

Whatever military or armed forces role you hold please contact Sports Financial Services to discuss your
needs. Sports Financial Services specialise in sport and hazardous occupations. You can speak to us about options for a wide array of different activities – just contact us to discuss your needs with one of our hazardous sport and occupation experts.

Military Life Insurance Company FAQs