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Life Insurance

Professional sports people applying for Life Insurance should ensure that they approach an insurance provider who offers favourable terms for their sport. Some professional sports are considered to have low danger by insurers and are likely to result in Life Insurance being offered at standard terms; for example footballers, rugby players and cricketers. Other sports that are deemed to be of a higher risk can lead to the insurer placing a higher premium upon the Life Insurance policy; this will probably apply to professions such as motor sports and jockeys.

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Critical Illness Cover

Critical Illness Cover for professional sports people can often be secured at normal terms provided that the sport is considered to be of a low-risk; sports such as swimming, golf and tennis would generally fall within this category. Where there is a heightened risk of significant injury due to your profession the insurer may choose to increase the policy premium to offset the added risk of insuring you; occupations that may fall into this criteria may include stunt people and motor sports professionals.

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Income Protection

Income Protection for professional sports people will be difficult to obtain and will need to be placed with a specialist insurance provider. You should speak to a qualified insurance provider to establish if Income Protection is appropriate or even available for your circumstances.

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You may wish to consider Accident, Sickness and Unemployment cover that provides short-term Income Protection despite your occupation. Accident, Sickness and Unemployment provides a regular monthly payment of between 12 and 24 months should you be unable to work due to disability, long-term injury and/or involuntary redundancy. It is essential that you speak with an adviser or thoroughly read your policy documentation to know what you are and are not covered for; some insurers will not uphold claims if you are out of the country for long periods of time. Please use our free online quotation system to see the type of cover that is available to you.

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  • Boxers
  • Footballers
  • Golfers
  • Rugby players
  • Tennis Player

For more information on specific health conditions, pastimes, occupations and countries please select here:

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Please feel free to call us on 0800 567 7450 and one of our qualified insurance advisers will be happy to assist you.

Summary definition

Professional sports people are often in peak physical condition and live healthy lifestyles. A professional sports person typically works in a physically competitive environment and as such can be seen to be at a heightened risk of serious illness or injury.

Other Services Available

You can apply for any of the following services through ourselves

* Please note that accident and sickness cover will likely exclude pre-existing health conditions.
** These services are placed with our selected partners.

Further Reading and Research

  • None