Life Insurance

Life insurance providers see exercise positively as a sign of your dedication to fitness. Engaging in football matches as a hobby usually doesn’t affect your life insurance, but there are rare cases when it could.

Our advisers will ask you:

  1. Do you play football often? If so, how much?
  1. Are you involved in any professional teams?
  1. Do you play matches in the UK or abroad?

For individuals with football as their hobby in the UK, life insurance should be obtainable at standard terms. Participating in a local team or playing with friends is typically not a problem. The inclusion of prize money in football competitions can sometimes blur the line between amateur and professional play. Our advisers will inquire about details to determine if your hobby falls under the category of amateur or professional.

Life insurance could be offered at standard terms if you’re a professional football player. Travel arrangements will factor in potential extensive travel within the UK and abroad for match play. Insurers require information on the duration and location of your absence from the UK.

Critical Illness

Playing football on weekends, whether with friends or a local team on a non-professional level, should warrant standard terms for critical illness cover.

Participating in international football games or pursuing a career as a football player could impact your eligibility for critical illness insurance. Many critical illness policies contain a feature called Total Permanent Disability (TPD), which indicates that if your health condition prevents you from working again, the policy will provide a payout. This situation can be challenging for footballers because a small injury could result in them never being able to play football again.

Professional footballers may not have Total Permanent Disability included in their critical illness cover. However, coverage should still be provided for major areas of claim such as cancer, heart attack, and stroke.

Income Protection

Participation in football matches as a hobby may not affect your eligibility for income protection with most insurers. When it comes to income protection, the priority will be your job, not your hobby.

Professional football players may need to seek out a specialized insurance provider. Physical fitness is crucial for career longevity, as even minor injuries can have severe consequences.

Damian Youell

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