Life Insurance for Running

Life Insurance

Life insurance for runners should be offered by most insurers at standard terms.

Your running may not come up in the question set, but in the event that our advisor inquires about it:

1. Are you participating in any extreme endurance events?

1. Are you participating in a race?

Professional runners typically qualify for life insurance at standard rates from most insurance companies.

Understanding endurance events is important because it opens up opportunities to travel to various locations to participate in them. It is improbable that any problems will arise when organizing your life insurance, but it’s advisable to verify.

Critical Illness

Critical illness insurance for runners is typically offered under standard terms. Insurers need to review your overall health and medical background for your insurance application assessment.

Professional runners can usually obtain critical illness cover under standard terms from various insurers. Total and Permanent Disability coverage may not be available or may have exclusions for claims related to running. These policies typically include a minimum of 60 conditions that provide coverage. While it might be disappointing to have one excluded, there are still numerous situations where you are covered.

Income Protection

Income protection for runners is usually obtainable under regular conditions.

In the event of past injuries, the insurer may impose exclusions on the policy. A recent sprained ankle is an example of this. If you’ve noticed, your income protection policy won’t cover claims related to that ankle temporarily.

Professional runners should ensure their income protection is placed with a specialist insurer capable of providing adequate coverage. Professional athletes are subject to increased scrutiny when it comes to income protection policies due to the elevated risk of injury associated with their occupation, which can result in lengthy periods of absence from work during recovery.