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.