Because RAF work demands a certain level of technical skill and is undertaken in challenging environments, RAF life insurance can often require more specialist types of cover. Gaining specialist advice is beneficial in obtaining the right cover for you. The underwriting for RAF life insurance can vary depending on your circumstances and the type of military actives you are engaged in.
When looking for specialist insurance for extreme pursuits like RAF life insurance 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.
There are number of areas that your insurers will have to consider when assessing your enquiry for RAF life insurance, these areas might include:
● What is your lifestyle and health like? (For instance: alcohol consumption, fitness and sport, smoking)
● What is your current job, and does it require you to travel abroad? (UK, Europe or Worldwide)
● What kinds of RAF activities do you participate in?
● Do you engage in dangerous hobbies and sports in your spare time?
These are some of the areas your insurer will need to consider when assessing your enquiring about RAF life insurance. However, there will many more question that will need to be answered in relation to you, your occupation and your lifestyle.
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 hazardous activities 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.
Whereas income protection is there to 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 the role that income protection could play in contributing towards these types of outgoings.
Applications for both critical illness cover and income protection my result in premium loadings, restrictions or exclusions. When you make an enquiry for RAF life insurance, critical illness cover or income protection your adviser at Sports Financial Services will discuss your needs and the options available to you.
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 RAF life insurance at the right price.
We have years of experience in providing people who participate in hazardous sports and occupation with life insurance, mortgage protection, critical illness cover and income protection.
Please get in contact with us today regarding RAF life insurance, or fill out of contact form.