Life Insurance
Life insurance companies view regular exercise positively. It demonstrates dedication to maintaining good health and contributes to staying fit and healthy throughout life. Engaging in tennis as a hobby typically doesn’t impact life insurance terms, which are usually offered at standard rates.
Our advisers will ask you to verify this.
- What frequency do you play tennis?
- Are you involved in competitions?
- Is your tennis located in the UK or overseas?
If you engage in tennis as a recreational activity with friends or through lessons, it is unlikely that life insurance will pose any obstacles and should be accessible at standard terms.
Are you a professional tennis player? It is possible that your policy will come at standard terms. The add-on Waiver of Premium (WOP) may not be included in your policy, or it might have an exclusion related to tennis. The Waiver of Premium benefit ensures that your insurance policy remains active if you are unable to work due to an illness lasting longer than 26 weeks, without requiring you to pay the premiums until you return to work. This is insurance terminology and we will clarify its meaning when we chat.
Critical Illness
Obtaining Critical Illness Cover should be straightforward and standard terms will likely be offered, as long as you play tennis as a hobby.
Professional tennis players may have limited options for critical illness cover due to their occupation. In professional tennis, injuries to areas like the elbows, shoulders, knees, or lower back might lead to Total Permanent Disability (TPD) being excluded from the policy due to the associated risks.
TPD refers to the scenario where inability to continue working in your current job due to illness may result in a potential payout from the policy. For professional tennis players, this option is frequently not included in their policy. Simply put, it wouldn’t take much for you to sustain an injury or develop an illness that would require you to stop playing professionally, as advised by your coach and medical professionals. Career ending insurance may be worth considering if you want coverage for being unable to play professional tennis again.
Income Protection
Engaging in tennis as a pastime should not affect eligibility for income protection. In case of recent injuries like tennis elbow, ankle or knee injuries, the policy might have exclusions. An exclusion is not ideal, but it is feasible to revisit your policy during certain periods to have these exclusions lifted.
Professional tennis players often choose to protect their income through career ending insurance. This policy is specialized and we are able to assist you in setting it up.
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.
