Life Insurance for Boxing

Life Insurance

Body building is commonly viewed as a method to enhance physical strength and achieve optimal fitness levels. This could simplify getting insurance, but occasionally it complicates things.

One of the primary factors is that bodybuilders frequently have a higher BMI, as muscle weighs more than fat. The insurer’s systems do not usually consider this factor. Discussion with the insurer may be necessary based on your BMI to further explore this matter.

During our conversation, we will pose a few questions to you.

• What’s your height?

• How much do you weigh?

• Have you previously used steroids in your bodybuilding regimen?

Life insurance for individuals who engage in weight training is typically offered at standard rates. This indicates that the premium for the policy will remain unchanged as long as your BMI is within certain levels. Certain insurers may raise life insurance premiums once your BMI hits 30, therefore it is crucial to carefully investigate and choose the most suitable option for you. This is the place where our advisers can provide valuable assistance.

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.