Military Life Insurance Company

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Life, Income Protection &
Critical Illness Cover
cover options

Sports Financial Services is aware of the many risks and hazards associated with military service. We therefore offer expert advice on hazardous hobbies and high-risk occupations. In order to find a military life insurance company, get in touch with Sports Financial Services.

With over 20 years of experience, we have offered advice and protection to numerous different outdoor sports enthusiasts, such as mountaineers, skydivers and canoeists. As a result, we have acquired industrial knowledge for numerous outdoor pursuits and other related professions.

Not only does Sport Financial Services provide outdoor sports cover we also offer cover for
hazardous occupations, such as military occupations. Military occupations often demand
both physical and technical skills, and can be set in testing environments. Military life
insurance often requires specialist types of cover. If you would like to discuss military life
insurance, critical illness cover or income protection cover you have come to the right place.

Choosing a Military life insurance company

Life Insurance for Military Members vary depending on the insurance provider as well as the type of military activities you are engaged in. For this reason, specialist advice can be beneficial in
obtaining the right cover for you and your particular circumstances.

For many years, we have been working with people who enjoy outdoor sports and
occupations. Because of this, we have a great deal of experience discussing cover for many
outdoor occupations and outdoor activities such as canoeing, scuba diving, mountain biking,
rock climbing, mountaineering, skydiving and skiing.

When looking for specialist insurance for extreme pursuits like life in the military you may
come across additional requirements in order for underwriters to fully understand your
military activities. Some financial protection may cost more (or be excluded) because of the
nature of your activities. Your personal adviser at Sports Financial Services will discuss this
in detail with you.

Our history of helping people who engage with hazardous sports and occupations means
that we understand the needs of those that operate at the extremes.

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

● How is your health and lifestyle? (e.g., alcohol consumption, exercise and smoking)
● What is your current military role and does it take you on international travel? (e.g.,
UK, Europe and/or worldwide)
● What type of military activities do you participate in?
● Do you participate in hazardous sports and pastimes?

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

Differences between Military Life Insurance Vs Critical Illness Cover and Income Protection

Critical Illness Cover:

Many who seek critical illness cover are seeking peace of mind. It is important for anyone
who takes part in hazardous activities to make sure that they disclose this during their
enquiry as this affects what type of cover, they can obtain.

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:

Income protection is important to consider, particularly if you take part in hazardous
activities. Income protection can provide some reassurance if you are unable to work due to
injury or sickness. This can help contribute towards any financial commitments such as
mortgage payments to credit card bills.

Again, applications for income protection are dependent on many factors, for example, if you
have had significant time off work in the past due to injury or sickness, this can affect your
cover. Other factors that can affect income protection include participation in some extreme
sports and activities which may result in premium loadings, restrictions or exclusions. Your
adviser at Sports Financial Services will discuss your needs and the options available to you.

Different types of Military life insurance

Whatever military or armed forces role you hold please contact Sports Financial Services to discuss your
needs. Sports Financial Services specialise in sport and hazardous occupations. You can
speak to us about options for a wide array of different activities – just contact us to discuss
your needs with one of our hazardous sport and occupation experts.

Military Life Insurance Company FAQs

Can you get life insurance in the military?

Yes, you can typically obtain life insurance coverage in the military. Many insurance providers offer specific policies tailored to military personnel, considering the risks associated with their service. It’s advisable for anyone in the military to explore insurance options that accommodate their unique circumstances and potentially offer benefits or specialised coverage.

Does life insurance pay if killed in war?

Yes, life insurance generally pays out for death during war, as long as the policy was active before the individual entered the war zone or military service. However, specific terms and exclusions can vary, so it’s crucial to review the policy for any war-related clauses.