Sports Financial is a leading insurance expert for people who take part in extreme sports or who have occupations which are classed as high risk which includes Life insurance for white water rafting. It is often possible to get this type of cover at the same price as someone who does not take part in extreme sports which will be classed as a standard risk application so your premiums for Life insurance for white water rafting should be no higher. It is, however important to consider all of your options and what is most important to you such as protecting your family and their financial future in the event that anything unfortunate should happen to you. Most people when applying for Life insurance for white water rafting will look at their own circumstances to identify which risks are more important to them which will be death, serious illness or possible loss of income from accident or injury.
In this section of our website we look at and consider whether your application for Life insurance for white water rafting will require further or additional underwriting. The majority of applications for Life insurance for white water rafting that we see are fairly simple and will only usually be judged on standard criteria.
Some of the key areas to be considered when applying for Life insurance for white water rafting are:
- How frequently you take part in your sport
- Where you travel to your sport
- Do you have any qualifications
- Are you a professional or do you take part in competitive sports
There are a number of possible issues when applying for Life insurance for white water rafting depending on how much rafting you do and how extreme your activities are. You should find that for purely recreational activities that your premiums will stay the same as someone who does not take part in extreme sports.
Underwriting criteria for Life insurance for white water rafting will also vary from one insurance provider to another which is why it is important to speak to an expert like us. A specialist company such as Sports Financial will be able to show you which insurers will be most suitable for you based on your circumstances.
There are also a number of other key standard factors which will determine what your standard premiums for Life insurance for white water rafting which will include:
- How much cover do you need and what is your cover for
- What is the term that you are looking to take your cover over
- Which type of life insurance product do you need
These points will play a major part in how much your monthly premiums for Life insurance for white water rafting will be as well as a number of underwriting criteria which will be based on your health and lifestyle. Some of the main lifestyle factors will include:
- Do you smoke or have you smoked in the past 12 months
- What is your height and weight (body mass index)
- How much alcohol do you consume each week on average
- Do you suffer from a pre-existing medical condition
- Is your occupation classed as hazardous or dangerous
There should be questions about your lifestyle on your Life insurance for white water rafting application which will also be asked as well as your sporting activity.
If you need more help to get the most suitable cover to protect your family with your Life insurance for white water rafting then you should contact 0345 565 0935 to speak to one of our experts today.