Armed Forces Life Insurance Cover (Army / Navy / Air Force)

Cover from as little as £18.70/mth Get a Quote now!
* Based on 30 year old, non-smoker for £100,000 level life insurance, £50,000 critical illness cover over 25 year term.
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Life, Income Protection &
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Our team at Sports Financial Services specialises in providing specialised guidance and expert advice on life insurance for high-risk occupations, including Armed Forces Life Insurance, critical illness cover and income protection. Individuals in high-risk professions often require specialised life insurance to safeguard their family, property, or business. However, increased risk also leads to additional underwriting criteria and potential coverage limitations. Depending on your role and position within the forces and active duty status for armed forces personnel seeking life insurance, critical illness cover and income protection, further underwriting is necessary.

Sports Financial aims to find people with non-standard risks such as Armed Forces, the right life insurance, critical illness cover or income protection at the right price. It is often the case that our team of advisers has managed to get the cover that our clients need as well as help to save them money on their insurance.

Armed Forces:

Examples of jobs in the Armed Forces:

  • Soldier
  • Engineer
  • Pilot
  • Diver
  • Medic
  • Administration
  • Technician

Armed Forces life insurance

As with most high risk or hazardous occupations, life insurance for Armed Forces can potentially attract increases in premiums or possible special terms depending on the role and levels of activity. Fortunately in most cases we see for Armed Forces life insurance there is often a strong possibility of being able to get cover and often at the same rates as someone with a lower risk occupation. It can be more difficult to get life insurance during periods of conflict or where the individual is involved in higher risk activities. Some of the main considerations for underwriting  life insurance for Armed Forces are:

  • What is your role in the Armed Forces
  • Which of the Armed Forces do you work in
  • Are you under orders or in active duty

Several other standard factors which will determine the premiums you would pay for this type of life insurance are:

  • Amount of cover (£’s)
  • Term of cover (years)
  • Type of policy

For free advice or a quotation for life insurance for army, critical illness cover or income protection you should complete our online enquiry form or contact our experts on 0345 565 0935.

Armed Forces critical illness cover

Most cases we have dealt with for Armed Forces personnel looking for critical illness cover, we have been able to get the cover and often at a similar price to people with standard risk occupations. In some cases where the individuals role is considered to be higher risk there could be additional underwriting requirements for Armed Forces critical illness cover which can result in an additional premium loadings, exclusions or even potential decline.

As with most hazardous or dangerous occupations, it is possible that you could be able to get the cover you need from some insurance providers where others may decline cover. Armed Forces critical illness cover is exactly the same and sometimes even more so due to the fact that some insurance providers simply do not like to accept this type of occupation. If you have previously struggled to get Armed Forces critical illness cover or have been declined cover then you should contact one of our experts.

Armed Forces income protection

We generally find that Armed Forces income protection cover is very rarely available unless your role is very low risk (e.g. Administration or Office Staff). Unfortunately most roles in the Armed Forces are considered to be too high risk for an income protection policy for the vast majority of insurance providers. There are some specialist insurance products available which can offer some cover for Armed Forces income protection so it is worth asking us about it.

Armed Forces life insurance, critical illness cover and income protection

For more information about us, life insurance or general financial advice speak to one of our team of experts for free advice about life insurance, critical illness cover and income protection for armed forces, simply complete our enquiry form or contact us on 0345 565 0935.

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What is armed forces life insurance?

Armed forces life insurance is specialist insurance tailored to meet the cover requirements of your occupation. Since active members of the armed forces are generally considered higher risk than those with standard occupations, there may be premiums added to cover your activity. Getting the right level of cover is important if you want to ensure that your finances are protected.

What types of cover is available for armed forces?

Life insurance is a policy that pays a benefit when you die. Armed forces life insurance is specialist cover that covers you despite your high risk occupation. Critical illness cover on the other hand is an insurance policy that pays a benefit should you fall ill with a critical illness- as standard, critical illness cover tends to include cancer, heart attacks and strokes. The other option you have is income protection which pays you a regular income if you can’t work due to a sickness or disability and continues until you either return to work or retire. Getting the right cover for your hazardous or high risk occupation can be more difficult than a standard insurance policy, give us a call or fill out the form to find out more.

What is Critical Illness in the armed forces?

Critical illness cover in the armed forces is designed to provide financial protection to military personnel against severe illnesses or injuries, offering a lump sum payment upon diagnosis. It helps alleviate financial burdens, ensuring soldiers and their families have support during challenging times, allowing focus on recovery without worrying about monetary concerns.