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.
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:
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.
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.
● 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.
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:
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.
Not only does Sport Financial Services provide outdoor sports cover we also offer cover for hazardous occupations, such as military occupations. Military occupations often demand both physical and technical skills, and can be set in testing environments. Military life insurance often requires specialist types of cover. If you would like to discuss military life insurance, critical illness cover or income protection cover you have come to the right place.
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 looking for specialist insurance for extreme pursuits like life in the military 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. Your personal adviser at Sports Financial Services will discuss this in detail with you.
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
Can you get life insurance in the military?
Yes, you can typically obtain life insurance coverage in the military. Many insurance providers offer specific policies tailored to military personnel, considering the risks associated with their service. It’s advisable for anyone in the military to explore insurance options that accommodate their unique circumstances and potentially offer benefits or specialised coverage.
Does life insurance pay if killed in war?
Yes, life insurance generally pays out for death during war, as long as the policy was active before the individual entered the war zone or military service. However, specific terms and exclusions can vary, so it’s crucial to review the policy for any war-related clauses.
Life in the military can be challenging as it demands a wide range of skills and the ability to operate in challenging environments, as well as taking part in hazardous activities.
Depending on the insurance company and the kind of army roles and duties involved, there can be differences in how army personnel life insurance is underwritten. This is why getting specialised advice can help you get the right life insurance for army personnel which is suited to your particular circumstances.
Here at Sports Financial Services, we have a wide range of expertise in discussing life insurance for a variety of outdoor activities and occupations, such as canoeing, scuba diving, mountain biking, rock climbing, mountaineering, skydiving, and skiing. This is because we have worked with people who enjoy outdoor sports for a number of years.
In order for underwriters to fully comprehend your army personnel activities, you may come across additional requirements for underwrites to fully understand your pursuit. Due to the nature of your activity, some forms of financial protection may cost extra (or may be excluded). You will have an in-depth conversation about this with your own Sports Financial Services adviser. Our 20- year history means we are familiar with the requirements of those who work in hazardous occupations and pursue hazardous sports.
These are some areas that insurers might consider when assessing your enquiry for life insurance for army personnel:
How healthy are you and what is your lifestyle like? (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 army personnel activities do you participate in?
Do you participate in hazardous sports or other hazardous activities?
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 VS Income protection
Critical Illness Cover:
Critical illness cover is a way to cover specific illnesses or medical conditions that might disrupt your life, family and finances. Anyone who takes part in hazardous activities and enquires about critical illness cover will have their enquiry assessed against the activities they pursue. Cover for different types of activities will be assessed differently.
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:
Another important cover to consider is income protection, particularly if you take part in hazardous activities. Income protection could provide you with peace of mind if you are unable to work due to injury or sickness.
If you have a loan, mortgage, credit cards, regular bills or family financial commitments then you may want to consider what would happen if you were unable to meet the payments because of a loss of income if you are unable to work.
Applications for income protection are dependent on many factors, for example, whether you have previously suffered any injuries as a result of your activities and whether they have caused you to have a significant amount of time off work.
Again, like critical illness cover, participation in some sports and activities 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.
About Sports Financial Services
Whatever army personnel 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 also discuss options for cover for a wide range of other activities, such as:
Please feel free to contact us today to discuss your needs in relation to life insurance for army personnel or any other hazardous pursuits. One of our hazardous sport and occupation experts will be pleased to help you.
Having life insurance is probably something that you place a lot of importance on if you are a member of the British armed forces. However, it’s probable that your occupation risk is higher than that of other non-military workers in the UK, making it more challenging for you to obtain the necessary life insurance coverage at a price you’re comfortable with.
Sports Financial Services have developed an expertise in providing people in high-risk occupations and sports with life insurance, critical illness cover and income protection cover.
What are the benefits of having British army life insurance?
British army life insurance can assist you to ensure that your family and dependents will have some level of financial support. You may want to obtain your own life insurance policy, while you’re in the military, even if your employer offers death in service benefits. By doing this, your spouse or partner will be aware that they have backup plans in place in case the worst happens.
If you would like to know in more detail about how British army life insurance can benefit you, get in touch with us at Sports Financial Services today, to speak to one of our advisers.
What information will I need to disclose to obtain British army life insurance?
When applying for British army life insurance cover there will be different things you will have to disclose to us. Here are some of the things that could potentially affect decisions about the cover options available to you:
Your age
Your current health and family health history: This could include questions about smoking, alcohol consumption and lifestyle
The length of coverage and the type of cover (e.g., fixed rate or index linked)
How much cover (£) you require
Whether you travel abroad to engage in your occupational activities
What is the difference between critical illness cover and income protection cover?
Critical Illness Cover:
Critical illness cover is a way to cover specific illnesses or medical conditions that might disrupt your life, family and finances. Anyone who takes part in hazardous activities and enquires about critical illness cover will have their enquiry assessed against the activities they pursue. Cover for different types of activities will be assessed differently.
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:
Another important cover to consider is income protection, particularly if you take part in hazardous activities. Income protection could provide you with peace of mind if you are unable to work due to injury or sickness.
If you have a loan, mortgage, credit cards, regular bills or family financial commitments then you may want to consider what would happen if you were unable to meet the payments because of a loss of income if you are unable to work.
Applications for income protection are dependent on many factors, for example, whether you have previously suffered any injuries as a result of your activities and whether they have caused you to have a significant amount of time off work.
Again, like critical illness cover, participation in some sports and activities 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.
How can I get a quote for British army life insurance?
Because British Army work demands a certain level of technical skill and is undertaken in challenging environments, life insurance for British Army members can often require more specialist types of cover. Not only do we offer British Army life insurance, but we offer army reserve life insurance and life insurance for military members. If you would like to discuss life insurance, critical illness cover or income protection cover for British Army members you have come to the right place.
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 life insurance for armed forces at the right price. Please feel free to get in touch with us today, where you will be able to speak to one of our advisers, or contact us through our online form.
British Army Life Insurance FAQs
Can you get life insurance in the army?
Yes, you can absolutely get life insurance while serving in the army. In fact, members of the military often have access to a variety of life insurance options. It’s crucial to explore these options and understand the coverage to ensure you have the protection that suits your needs and circumstances.
How much does British Army Life Insurance Cost?
With Cover from Sports FS, the cost of life insurance starts from as little as £18.70/mth. However, this quote is based on a 30 year old, non-smoker for £100,000 level life insurance, £50,000 critical illness cover over 25 year term.
Being in the Army Reserve can be difficult since it requires a diverse set of abilities and the capacity to function in difficult circumstances. In response, Sports Financial Services was established to serve the need of the larger outdoor sports and occupational market. In addition, we discovered that a certain group of people approached us in search of army reserve life insurance or for connected professional and recreational pursuits. As a result, expertise was developed in finding coverage for related occupations, such as military occupations, mountain guiding, rope access, and offshore labour.
In order for underwriters to completely comprehend your Army Reserve activities, you may encounter additional requirements when seeking specialised insurance for extreme pursuits like Army Reserve life insurance. Due to the nature of your Army Reserve duties, some financial protection may cost more (or be excluded). You will have an in-depth conversation about this with your Sports Financial Services adviser. Insurance companies will inquire about your reserve duty status in the military and the likelihood that you will be summoned to active service. In most cases, you should be able to obtain life insurance as an active-duty reserve member of the military.
Army reserve critical illness cover
If you have a critical illness insurance policy in place, you will get a lump sum payment in the event that you are told you have a serious illness. The following are a few of the most prevalent ailments that are typically covered by critical illness insurance policies:
Stroke
Cancer
Heart attack
Loss of any limbs and loss of sight
Dementia
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.
Army reserve income protection
Not only is army reserve life insurance and critical illness cover important to consider, but so is army reserve income protection. If you need to worry about any of these items, income protection may be an important insurance option to take into account. If you were unable to pay for any of these expenses because you were unable to work, income protection would allow a payout to help with any of these things:
Mortgage
Loans
Credit card bills
Regular bills
Family financial commitments
Army reserve life insurance with Sports Financial Services
Here at Sports financial services the main types of protection we specialize in are army reserve Life Insurance, Mortgage Protection, Critical Illness Cover and Income Protection. 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 life insurance for Army Reserve life insurance at the right price.
If your requirement for army reserve life insurance extends into other outdoor sports and hazardous activities, we also offer cover for many high-risk sports. Whatever your recreational or occupational pursuits we are here to discuss your protection needs, please feel free to contact us today.
Being a military member can be highly rewarding, but at the same time it can aslo come with a high level of risk. This kind of occupation comes with a lot more risks then your average job mentally and physcially. If you have other people depending on you financially then as a military member, life insurance can be crucial, to protect your loved ones in the case of death.
Life insurance for military members can sometimes require higher premiums depending on your circumstances. If you are looking for life insurance for military members, critical illness cover, income protection or even mortage protection please speak to us at Sports Financial Services today. There are many different factors your insurer will take into consideration during the underwriting process of life insurance for military members. Underwriting is the process by which your insurer determines how risky your occupation is to insure, some of these factors you might be asked about are:
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 military activities do you participate in?
Do you participate in hazardous sports and pastimes?
Critical illness cover for military members
Covering specific illnesses or medical conditions that could have a negative impact on your life, family, and finances is possible with critical illness cover. Anyone who engages in high risk occupations and requests information on critical illness coverage will have their request evaluated in light of the activities they engage in. Different forms of coverage will be evaluated in different ways when it comes to life insurance for military members.
Participation in some sports and occupations may result in premium loadings, restrictions, or exclusions, much like with critical illness cover. When you contact Sports Financial Services, an advisor will talk to you about your needs and the solutions that are open to you.
Income protection for military members
Income protection is a crucial insurance option to take into account, especially if you engage in high risk activities whilst during the military. 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 previously and whether those injuries have required you to take a sizable period of time off work.
How much does life insurance for military members cost
Depending on the details you disclose about your military duties during the underwriting procedure of life insurance for military members. Your premium may have a loading added on by your insurer, increasing the cost of your insurance. Don’t forget that, regardless of your profession or interests, the cost of life insurance depends on a number of additional criteria’s. Such as your age, health, and lifestyle, as well as the type of coverage you choose.
Why you should choose Sports Financial Servies for your life insurance for military members
Here at Sports Financial Services we are a group of insurance experts with many years of expertise working with people who engage in high risk sports and occupations. We are aware of how crucial it is to locate affordable life insurance for military members. You should consult with our extreme sport and occupation experts even if you already have a life insurance policy in place, have previously had your application for military life insurance rejected, or have had trouble getting insurance in the past.
Whatever your recreational or occupational pursuits we are here to discuss your protection needs. Get in touch with us today, alternatively, you can contact us by filling out our online form.
Due to motorcycling being a high-risk activity, that also demands a certain level of skill, you might want to consider some sort of protection. Finding the right life insurance policy for motorcycling is a lot easier than people think, some people may think that because there is the added risk of an accident and injury, it may mean it is more difficult to obtain life insurance for motorcyclists. Here at Sports FS, we have over 20 years of insuring people for hazardous sports and high-risk occupations. If you are looking for income protection,critical illness cover, or life insurance motorcycle accident cover then please get in touch with us today.
Does life insurance pay-out for motorcycle accidents?
If you end up in a motorcycle accident, that then leads to death, then yes you will be covered. Your life insurance provider will still pay out a lump sum of money to your family, as life insurance is there to help protect your loved ones financially. Having a life insurance motorcycle accident cover policy will mean that your insurer will promise to pay a designated beneficiary sum of money. However, your policy may vary depending on the provider, as well as how much you participate in motorcycling.
Critical illness cover for motorcyclists
Critical illness cover is a type of policy used to cover specific medical conditions or illnesses that may disrupt your life, family and finances. This lump sum of money can provide that important financial support for your loved ones, if they may be struggling due to the loss of any earnings or if they are unable to meet any payments due.
Critical illness cover can be offered at standard rates. However, if you participate in high-risk sports and activities such as motorcycling this can lead to premium loadings, special terms and restrictions on your policy.
Does critical illness cover pay-out for motorcycle accidents?
Critical illness cover will pay-out if you are seriously injured from a motorbike accident, here are some of the main reasons why your critical illness policy might pay-out as a result of an accident:
Injury to the brain
Amputation
Burns
Loss of hearing (deafness)
Loss of limbs
Permanent disability
How to obtain life insurance motorcycle accident cover
Making sure that you are choosing the right insurance provider for a high-risk occupation such as motorcycling is important. Here at Sports FS, we have a team of experts, who will be able to help you obtain the right life insurance motorcycle accident cover for you. We have a wide range of knowledge and access to the whole market, meaning we can get you the best rates possible for your insurance policy.
Please feel free to get in touch with us today for a life insurance quote, or feel free to apply online on our website.
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