Life Insurance
Abseiling is considered a potentially risky sport by insurers.
If you participate in abseiling, many insurance companies will inquire about it.
- How frequently do you do this?
- What is the highest point you reach?
- Is abseiling into caves something you do?
- Do you abseil alone or with others?
- Do you plan on doing abseiling outside of the UK?
- Do you abseil for fun or for your job?
- Are you involved in competitions?
If you enjoy abseiling, you may need to get life insurance from a specialist insurer if your activities are considered high-risk by insurers. For numerous life insurance companies in the UK, abseiling is typically considered eligible for standard rates. This indicates that you are probably eligible for standard life insurance premiums.
Our advisers will search for the perfect insurer and life insurance policy for you.
Critical Illness
Similar to life insurance, critical illness insurance is typically offered at standard rates for individuals who engage in weightlifting or bodybuilding.
The insurance company’s price offers can be influenced by your BMI, making the choice of insurer a crucial decision. When your BMI reaches 30, you may notice that certain insurers will start charging higher premiums, known as rated premiums.
Our expert advisers will communicate with the insurers on your behalf, clarifying that your BMI is higher due to fitness, in order to secure the best terms for critical illness cover.
Income Protection
Income protection cover may be an option for individuals who weight lift or body build. Indeed, numerous insurers do not inquire about it as long as it is in a non-competitive situation.
Participating in competitions may be a relevant detail for the application. Certain insurers may be more lenient, while others may approach it with caution in regards to the terms they can provide.
One important aspect for the insurers to consider is whether you have sustained any physical injuries in the past from bodybuilding or other physical activities. These include issues such as back pain, torn ligaments, and broken bones.
Injuries of this nature may result in exclusions on income protection. These exclusions may apply either for the entire policy duration or for a specific timeframe.
How We Work
1: We contact you and take down your details, income outgoings, name, address etc.
2: We will research the whole market and email you a detailed quote as well as a list of documents to proceed.
3: You upload the documents and information needed via our channel our online portal.
