Sports Financial is a top insurance expert for people who are classed as potentially high risk because of their sport or occupation which can cause possible additional risks from an underwriting perspective which includes Life insurance for Ice Climbers. In the majority of cases you should find that your application for Life insurance for Ice Climbers will not cause an issue in terms of underwriting unless you have a serious issue. There are a number of things to consider before you apply for Life insurance for Ice Climbers which can be addressed by your adviser as you proceed through your enquiry. Most people applying for this type of cover will want to consider whether they need to protect their family financially in the event of death or serious illness as well as potentially covering their income if they were to be involved in some kind of serious incident.
There are a number of reasons why you should consider Life insurance for Ice Climbers and cover options can vary from simple life insurance in the event of death to income protection to cover your monthly household expenditure if you are not able to work. You should also find that most types of cover should be available to you from the majority if not all insurers as long as there are no additional risk factors to consider.
The main considerations for underwriters when assessing an application for Life insurance for Ice Climbers will include:
- Heights or extreme heights
- Dangerous environments
- Risk of avalanche or ice fall
- Possible risk of injury from accident
- Taking part in competition or professional ice climbing
There are a number of possible reasons why you may have issues applying for Life insurance for Ice Climbers depending on how severe your climbing is as well as how frequently you climb. If you hold professional qualifications then you may be required to disclose information about that when applying for Life insurance for Ice Climbers.
The other more standard criteria when applying for Life insurance for Ice Climbers include elements such as:
- How much cover do you need and what is your cover for
- What term or period of time are you looking to take your cover over
- Which type of cover are you applying for
These are the normal things that will determine how much your standard premiums will be based on for Life insurance for Ice Climbers. There will also be a number of lifestyle related questions and health questions that you will be asked to disclose information about when you are applying for Life insurance for Ice Climbers, such as:
- Do you smoke or have you smoked in the past 12 months
- How much alcohol do you consume on average each week
- What is your height and weight (body mass index)
- Have you ever been diagnosed with or do you suffer from a pre-existing medical condition
- What is your occupation and is it classed as high risk
All of these factors will be taken into consideration for any application for life insurance as well as the additional risks that come with applying for Life insurance for Ice Climbers. You should find that there will be no major difference between premiums for someone who takes part in ice climbing to those who are classed as standard for life insurance.
If you need help or advice to get the right Life insurance for Ice Climbers in place for your family then you should contact one of our team of experts on 0345 565 0935 today.