Sports Financial is a leading expert in helping people to find insurance if they are involved in a high risk or extreme sport which can include people looking for Life Insurance for Free Climbers. There are a number of reasons why this type of hobby or sport ca be classed as non-standard by insurance underwriters which will also potentially play a part when applying for Life Insurance for Free Climbers depending on your situation and other key factors. By speaking to one of our team of Life Insurance for Free Climbers experts you are giving yourself an increased chance of being able to get the cover that you need and reducing the premiums that you will be paying. We have helped thousands of people to protect their families who have non-standard lives because of their sport or occupation.
Here we look at how an application for Life Insurance for Free Climbers will be reviewed and assessed by insurance underwriters to give you the relevant information to make your choices in terms of cover. You should be aware that if you want to protect your family or loved ones and you take part in an extreme sport then you may find that there are additional requirements.
Some of the key factors for Life Insurance for Free Climbers will include:
- How often do you go climbing
- What level of difficulty do you climb to
- Where do you travel to when you take part in your free climbing
- Do you take part in any competitions
You should be aware that there will be a list of main points which will be considered by underwriters when applying for Life Insurance for Free Climbers which will determine what your premiums will be.
If your activities are considered to be hazardous enough then you may find that you could also have restrictions on the type of cover that is available, such as:
- Permanent and total disability cover
- Critical illness cover
- Income protection
You should also find that your premiums for Life Insurance for Free Climbers will be based on a number of normal factors which include:
- How much cover do you need and what is your cover for
- What amount of time or period would you like to take cover over
- Which type of Life Insurance for Free Climbers policy do you need
When you apply for any life insurance policy you will generally be quoted a standard rate premium which will be the base rate based on no additional risk factors but that can also change depending on your health or your medical situation.
Other lifestyle based conditions will include:
- Do you smoke or have you smoked tobacco in the past 12 months
- What you height and weight is (body mass index)
- How much alcohol do you consume on average each week
- Do you suffer from a pre-existing medical issue
- Is your job classed as hazardous or dangerous
When you apply for Life Insurance for Free Climbers you will be required to complete a questionnaire or application which will ask for a list of information about your circumstances. You should make sure that you answer each question openly and accurately based on your own situation to ensure that underwriters have all of the information that they need to make a decision about your cover.
If you need more help or advice to get a competitive quote for Life Insurance for Free Climbers then you can contact one of our Sports FS expert advisers on 0345 565 0935 today and we will do our best to help you protect your family.