Life Insurance for Rugby

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Life, Income Protection &
Critical Illness Cover
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As rugby is a full contact sport with a relatively high overall risk of injury and a small specific risk of fatal and catastrophic spinal injury, it’s important you have the right financial protection for peace of mind. Whether you participate in rugby for leisure or competitively, having the right cover is important. Sports Financial Services specialise in life insurance for rugby, as well as critical illness cover and income protection.

Due to the higher risk of injury associated with the sport, it can often require more specialist cover. If you would like to find out more about whether you have the right plan in place, or want to arrange specialist life insurance, critical illness cover or income protection, Sports Financial Services are here to help.

What is Life Insurance for Rugby?

The underwriting of life insurance, income protection and critical illness for rugby can vary depending on your insurance provider as well as your level of participation in your sport / activities. For this reason, specialist sports advice can be beneficial in obtaining the right cover for you, your circumstances and all aspects of your chosen sport and lifestyle. 

Often, when looking for specialist insurance for extreme sports like rugby you may come across additional requirements in order for underwriters to fully understand your activities. Some extreme sports financial protection may cost more due to these additional requirements. 

Our 20-year history of helping extreme sports people means that we understand sports and when it comes to rugby, we understand the needs of those who participate in hazardous sports and occupations. 

Here are some areas that insurers might consider when assessing your enquiry for life insurance for rugby:

  • How is your health and lifestyle? (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)
  • How frequently do you participate in rugby?
  • What is your level of participation in rugby (e.g., club, amateur, semi-professional or professional)?
  • What type of rugby do you participate in?
  • Are you a member of the Sport’s Governing Body? 
  • What geographic locations do you travel to participate in rugby (e.g., UK, Europe or Worldwide)?

Such questions will help us find the facts that insurance companies require in relation to you, your sport and your lifestyle.

Life insurance Vs Critical Illness Cover and 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 extreme sports 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 can be offered at standard rates with no special terms imposed whilst participation in other sports may result in premium loadings, special terms, restrictions or exclusions. Your sports specialist at Sports Financial Services will talk you through the options available to you based on a number of factors such as your sport, occupation and lifestyle. 


Income Protection:

Another important cover to consider is income protection, particularly if you take part in high-risk sports. 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 sports injuries and whether they have caused you to have a significant amount of time off work. 

Again, like critical illness cover, participation in some sports may result in premium loadings, restrictions or exclusions. But, don’t worry, your adviser will discuss your needs and the options available to you.

Why Choose Sports Financial Services for Life Insurance for Rugby?

Sports Financial Services are a team of insurance specialists with many years of experience working with those who pursue hazardous sports and occupations. We know how important it is to find life insurance for rugby at the right price.

Even if you have an insurance policy in place, have been declined life insurance for rugby life insurance in the past or have previously experienced problems obtaining life insurance then you should speak to our extreme sport experts. 

In addition, different insurers come to the market over time and others may change their terms. This may mean that different terms are available in the market place than when you first applied for life insurance cover for rugby.