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:
- 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.