Life Insurance for Athletes

Q: What is the best life insurance for athletes?

There isn’t a specific ‘ best ’ life insurance for athletes, it will depend more on your personal circumstances and what you are looking to cover. However, listed are some suitable options for athletes: Level term life insurance A type of life insurance that provides coverage for a specific period of time (the term ) and pays out a fixed amount If you pass away during this time. Decreasing term life insurance A type of life insurance, that provides coverage for a specific period of time, where the coverage amount decreases over time and pays out if you pass away in the set term. Over 50s life insurance A policy which offers guaranteed acceptance policy to UK residents aged between 50 - 85 that does not require medical / lifestyle information in the application (other than your smoking status). Whole of life insurance A policy that last for your entire life and offers a pay out when you pass away ,not if, this is typically a more expensive option if your premiums are inflated due to a high risk occupation.

Q: Is an athlete considered a high risk occupation?

This will depend on what sport you take part in. Participating in some sports, whether for occupational purposes or personal pleasure could increase the chances of accidents occurring and would be considered high risk activities . Life insurance companies assess risk factors when determining eligibility, from participation in high risk activities like extreme sports or contact sports which can lead to higher premiums. Examples of high risk activities include, but aren’t limited to: Motorsports Water sports Contact sports Skiing & winter sports Sports from the sky Climbing (sports from height) Engaging frequently in these sports increases the chances of injury and risk, which is why insurance companies might charge higher premiums or refuse your application. When applying for a policy it's crucial to mention any involvement in such activities. Otherwise, you face the risk of loved ones not receiving a pay out due to non-disclosure .

Q: What will I be asked when applying for life insurance as an athlete?

When applying for life insurance you will be asked about a variety of factors that may affect your premiums or eligibility for life insurance. Whether you’re an athlete as your occupation or hobby, you may be asked further questions about your career / lifestyle. For example you may be asked questions such as: What level you compete at? Which sport do you play? Are you professional, if so, are you full time or part time? Do you have any pre-existing health issues? You will also be asked about: Age Weight (BMI) Smoking status General health & wellbeing Medical history Insurers will use this information to determine if you’re a high risk applicant or not, which may result in them asking you more questions to understand your situation.

Q: Can I get income protection as an athlete?

Yes, as an athlete, you could get income protection insurance to help protect your earnings in case you’re unable to work due to injury or illness. However, your eligibility and cost of income protection insurance for athletes may vary depending on the type of sport you participate in and the level of risk involved. Income protection is a type of life cover that could pay out up to 70% of your monthly income to help support you while you’re unable to work (if you’re injured or have an illness). When taking out a policy it’s likely that any injuries that are likely to occur as a result of taking part in your sport will be excluded. This means you won’t be able to claim for these reasons.

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Life insurance for athletes

Life insurance for athletes [2025]

There are a variety of insurers and policies that could be available to protect the needs and lifestyles of sports professionals.

Despite the fact that professional athletes often participate in activities that could have a higher risk of injury or accidents, compared to other careers, it doesn't necessarily mean that you’ll have to pay higher premiums.

In some cases, professional athletes have the potential to earn a higher income and if they were to pass away, life insurance could help their loved ones to take care of any ongoing expenses.

Each insurer is different, so when it comes to finding a suitable policy as an athlete, it’s important to explore the market and compare quotes.

Take care of your family's financial security by getting life insurance today through our award-winning fee-free comparison service.

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Can athletes get life insurance?

Yes, athletes could get life insurance cover, however premiums and eligibility may vary depending on factors such as the type of sport you participate in and your overall health and lifestyle.

Some Insurers may not consider all athletes as high risk, but obtaining certain types of cover, like income protection, can sometimes pose as a risk.

Different insurers will have varying terms and conditions on different sports and what they deem as high risk, however sports that don’t include frequent travel across the globe and contact may not affect your premiums at all (e.g. running, cycling, tennis, swimming).

If your sport doesn't fall under the category of 'extreme sports', you may pay a standard premium cost (as long as you don't have any pre-existing medical conditions or other factors that could impact cost).

Why use Reassured to compare athlete’s life insurance quotes?

Quotes are fee-free, personalised & with no-obligation
Reassured offer a specialist impaired risk team who are able to help find some form of cover for those who’ve previously been declined
Our friendly professionals can help guide you through the application process & answer any questions you may have
Our service is rated ‘Excellent’ on Trustpilot with over 80,000 customer reviews
Free terminal illness cover is available with all term policies arranged through us

What is the best life insurance for athletes?

There isn’t a specific ‘best’ life insurance for athletes, it will depend more on your personal circumstances and what you are looking to cover. However, listed are some suitable options for athletes:

Level term life insurance

A type of life insurance that provides coverage for a specific period of time (the term) and pays out a fixed amount If you pass away during this time.

Decreasing term life insurance

A type of life insurance, that provides coverage for a specific period of time, where the coverage amount decreases over time and pays out if you pass away in the set term.

Over 50s life insurance

A policy which offers guaranteed acceptance policy to UK residents aged between 50 - 85 that does not require medical / lifestyle information in the application (other than your smoking status).

Whole of life insurance

A policy that last for your entire life and offers a pay out when you pass away ,not if, this is typically a more expensive option if your premiums are inflated due to a high risk occupation.

Reassured and our advised team can compare life insurance quotes from a variety of leading UK insurers, as well as specialist insurers who cater for those who may struggle to secure a standard policy.

How much life insurance does an athlete need?

By entering your current and future financial commitments into the required fields, you will be supplied with a calculation of how much life insurance you may need:

£ -

Your total cover estimate

£ 0

Let us help you find our best quotes

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Is an athlete considered a high risk occupation?

This will depend on what sport you take part in.

Participating in some sports, whether for occupational purposes or personal pleasure could increase the chances of accidents occurring and would be considered high risk activities.

Life insurance companies assess risk factors when determining eligibility, from participation in high risk activities like extreme sports or contact sports which can lead to higher premiums.

Examples of high risk activities include, but aren’t limited to:

Motorsports
Water sports
Contact sports
Skiing & winter sports
Sports from the sky
Climbing (sports from height)

Engaging frequently in these sports increases the chances of injury and risk, which is why insurance companies might charge higher premiums or refuse your application.

When applying for a policy it's crucial to mention any involvement in such activities. Otherwise, you face the risk of loved ones not receiving a pay out due to non-disclosure.

You may still be able to secure life insurance, an expert at Reassured can help review your circumstance and help find a suitable policy.

What will I be asked when applying for life insurance as an athlete?

When applying for life insurance you will be asked about a variety of factors that may affect your premiums or eligibility for life insurance.

Whether you’re an athlete as your occupation or hobby, you may be asked further questions about your career / lifestyle. For example you may be asked questions such as:

What level you compete at?
Which sport do you play?
Are you professional, if so, are you full time or part time?
Do you have any pre-existing health issues?

You will also be asked about:

Age
Weight (BMI)
Smoking status
General health & wellbeing
Medical history

Insurers will use this information to determine if you’re a high risk applicant or not, which may result in them asking you more questions to understand your situation.

Your monthly premium will also be influenced by the type of cover and the sum assured you choose.

Can I get income protection as an athlete?

Yes, as an athlete, you could get income protection insurance to help protect your earnings in case you’re unable to work due to injury or illness.

However, your eligibility and cost of income protection insurance for athletes may vary depending on the type of sport you participate in and the level of risk involved.

Income protection is a type of life cover that could pay out up to 70% of your monthly income to help support you while you’re unable to work (if you’re injured or have an illness).

When taking out a policy it’s likely that any injuries that are likely to occur as a result of taking part in your sport will be excluded. This means you won’t be able to claim for these reasons.

Reassured's advised team offer a whole of market comparison for income protection, allowing you to explore all the available options and make a well-informed decision.

FAQs

Why do I need life insurance as an athlete?

Securing life insurance allows your loved ones to be financially stable and handle any remaining debts and payments when you’re no longer around.

This can include helping to cover:

Funeral costs
Childcare / future education costs
Mortgage or rent payments
Living expenses
An inheritance

Why not contact one of our friendly professionals to help you secure your perfect policy.

Can I get critical illness cover as an athlete?

Yes, you can typically get critical illness cover as an athlete to provide financial protection in case you’re diagnosed with a serious illness (covered by the policy).

It offers a lump sum payment to help with medical costs, income loss and other financial difficulties. Its main purpose is to provide reassurance and financial assistance during a challenging situation.

Just like income protection insurance, the cost and accessibility of critical illness cover for athletes can differ based on the sport you participate in and the associated risks.

For an additional cost, you can add critical illness cover to most of our life insurance policies through Reassured.

How to secure life insurance as an athlete

Now that you are aware it could be possible to secure life insurance as an athlete, possibly without any impact on your premiums, why not reach out to a friendly expert to discover your options?

Securing life insurance offers you peace of mind that your loved ones will be protected if the worst were to happen to you, especially if the sport you regularly participate in could leave you at risk.

It’s quick and simple to secure, simply get in touch today and explore our fee free personalised quotes, with no-obligation.

At Reassured, our award winning team can help you throughout the entire application, alternatively you could apply by using our online comparison service.

A financially secure future for your loved ones is only a click away, why not start your life cover journey today?

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