Sailing can be a challenging activity, it requires a lot of skill to be able to operate in the ever changing environment of open water. If you participate in sailing for leisure or as part of your occupation, speak to us at Sports Financial Services about sailing life insurance, mortgage protection, income protection or critical illness cover.
With over 20 years of experience, we have been able to develop our expertise in a wide number of outdoor activities for which people were seeking cover. Because sailing demands a certain level of skill, sailing life insurance can often require a more specialist type of cover. Here at Sports Financial Services we specialise in offering financial protection to people who take part in hazardous sports, such as sailing.
Discussion points for sailing life insurance
When enquiring about sailing life insurance or any kind of cover for this sport, there will be a number of things that need to be discussed. This is so that your advisor can fully understand your activity and relay this to the insurer to get you the right level of cover for your sailing activities. .
Here are some areas that insurers might consider when assessing your enquiry for life insurance for sailing:
- 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)
- What type of sailing activities do you participate in?
- Do you participate in sailing recreationally or occupationally?
- Do you undertake any professional or instructional sailing work?
- Are you a member of a Sport’s Governing Body? (e.g., Royal Yachting Association www.rya.org.uk )
About critical illness cover
Critical illness cover helps to cover you if you have a specific illness or medical condition that you feel may disrupt your life, family or finances. This kind of cover provides a lump sum payout, it’s there to help to provide for your family or to help support any large payments.
About income protection
Another important cover to consider is income protection, especially when taking part in hazardous sports like sailing. Income protection can give you peace of mind knowing that you are financially covered if you become unable to work due to injury or sickness. If you have any big payments, loan or mortgage commitments then you may want to consider income protection.
Critical illness cover and income protection for some sports and activities may result in loadings, restrictions or exclusions. Your Sports Financial specialist advisor will be able to talk you through the options available.
How can Sports Financial Services help with sailing life insurance
Sports Financial Services are here to discuss your protection needs. With a team of insurance specialists that collectively have years of experience, we know how important it is to find you the right level of cover at the best rates. Contact us today to discuss your life insurance needs, and any other types of sporting activities you participate in.
The main types of protection we provide are:
- Life Insurance
- Mortgage Protection
- Critical Illness Cover
- Income Protection
Even if you have had issues obtaining sailing life insurance in the past, or have been declined, one of our experts would be happy to discuss your options. Get in touch with us today at Sports Financial Services for more information on sailing life insurance.