Rugby players life insurance, critical illness cover and income protection experts
Our team of sports insurance specialists offer advice to people with non-standard requirements such as Rugby players life insurance, critical illness cover and income protection. Anyone who is involved in a hazardous or high risk sport / hobby will need to factor in that they may have different insurance requirements to standard life insurance applications. Rugby players (club level, amateur, semi-professional or professional) looking for life insurance, critical illness cover and income protection have different insurance risks to most due to the risk of injury or muscular problems.
Sports Financial is a leading insurance specialist for people classed as higher risk or for people who have different insurance needs because of the sports that they do such as Rugby players life insurance, critical illness cover and income protection. We aim to help you to find the right cover for your needs based on your circumstances to help protect you, your family, your home or your business.
Rugby players life insurance
Life insurance for rugby players (club level, amateur, semi-professional or professional) is usually available at an insurers standard rates if there are no other medical issues. One of the most common issues we see when dealing with Rugby players life insurance is Body Mass Index (BMI) due to the fact that a rugby players physique can be different due to the nature of the sport.
If you have been diagnosed with a pre-existing medical condition or if you have a family history of medical problems then you may find that your Rugby players life insurance rates are different depending on the severity of the condition and risk. Also for professional rugby players looking for life insurance there could be additional requirements and some insurance providers may refuse cover.
Rugby players critical illness cover
The insurance needs of a rugby player are slightly different to others so it may be more beneficial or appropriate to consider rugby players critical illness cover. A critical illness cover policy can also provide cover for certain areas of risk that a rugby player may be more exposed to such as spinal or brain injuries for example.
Rugby players critical illness cover is also usually and often available at insurance standard rates due to the fact that rugby is not necessarily a higher risk for critical or serious illness. Some policies from certain insurers offer some elements to a rugby players critical illness policy that might be considered to be important, such as fracture cover.
If you have applied for rugby players critical illness cover in the past or have a policy in place currently that you want to review then you should contact one of our team of experts to see what we can do to help.
Rugby players income protection
Income protection for rugby players is considered to be one of the most important types of cover due to the risk of injury from playing rugby which may prevent you from working, especially if you are self-employed.
In most applications that we see for rugby players income protection or any other similar sport (e.g. football, cricket, tennis etc.), if the activity is purely amateur then there should not be an issue and should be available at standard rates. There are some insurers who are better than others when looking at rugby players income protection so it is important to speak to the right ones which is where we come in.
For anyone looking for rugby players life insurance, critical illness cover and income protection there are a few factors to consider which may be assessed by insurance underwriters, such as:
– Amateur level
– Semi-professional or professional
– Body Mass Index (BMI)
– Other medical problems
– Time of work
Our team of insurance experts will help you to find the best rugby players life insurance, critical illness cover or income protection to help protect you, your family, your home or your business.