Life Insurance for Canoeing

Life Insurance

In the life insurance application process, there may be questions related to canoeing that we typically inquire about.

1. How frequently do you go canoeing?

1. Do you participate in solo canoeing groups?

1. Are you doing this domestically or internationally?

1. Do you participate in competitive canoeing?

Various insurers may have varying perspectives on canoeing, particularly if you are participating in competitions. Speaking with an adviser like us would be beneficial as we know where to properly submit your application.

Canoers or kayakers can qualify for life insurance at standard terms, depending on their circumstances and the chosen insurer.

Participating in competitions may result in an increase in policy premiums by the insurer. Canoeing may not always be included in the questions insurers ask, so you may still qualify for standard coverage.

Critical Illness

Canoeing details on critical illness cover applications are typically eligible for regular terms. This ensures there will be no extra charges or restrictions for canoeing.

Engaging in higher-risk activities like whitewater kayaking might be a key factor in choosing the right insurance provider.

There is a possibility that standard terms for critical illness cover may still be available, although there could be instances where premium increases or exclusions related to canoeing are presented.

Income Protection

Income protection for canoers is typically offered at standard rates as long as the right insurer is selected for you.

Engaging in sports activities may result in situations that could warrant a claim for income protection. This could indicate that certain insurers may opt to include an exclusion on your policy depending on your hobby.

Selecting the appropriate insurance provider will depend on the level of risk associated with your hobby.