Life Insurance for Army Personnel

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Life, Income Protection &
Critical Illness Cover
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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.  

If you are looking for life insurance for army personnel please speak to Sports Financial Services today about life cover, mortgage protection, income protection and critical illness cover.

What is life insurance for army personnel?

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.