Life Insurance
Life insurance for amateur rugby players is typically available under standard terms with most insurers in the UK.
Certain important information for us to be aware of includes:
- Your height and weight.
- Are you participating in any professional or semi-professional games?
- Have you experienced any injuries from playing rugby recently?
When applying for insurance with most companies, we typically inquire about the height and weight of all applicants, but this requirement becomes even more critical for rugby players.
Rugby players tend to have higher BMIs because of the muscle mass they carry. In some cases, higher BMI levels may lead to insurance companies raising policy premiums. We are able to communicate with the insurer for you and clarify that your BMI is a result of your rugby playing, which can sometimes prevent any premium hikes.
Our expert advisers will help you find the appropriate insurer and life insurance policy.
Critical Illness
Critical illness insurance for amateur rugby players is expected to be available under normal conditions. The premiums you’re offered could be impacted by your BMI, so speaking with insurers to find one that fits your lifestyle is crucial.
The insurer will want to know if you have any recent injuries from participating in the sport. Total permanent disability may not be covered under the policy due to the risk of severe injury while playing rugby. This is just one eligible condition under the policy, and typically, you will still receive coverage for approximately 60 different conditions commonly covered by critical illness policies.
Income Protection
Income protection should be available for amateur rugby players at standard terms, as long as you apply with an insurer that is able to accept your rugby participation without restrictions.
If you’re just playing rugby for fun, your application will probably emphasize your job rather than your sport.
In case of previous injuries like fractures or sprains, those parts may not be covered by the policy. The timing of the injury is a factor in this.
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.
