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EXTREME SPORTS<br>Life Insurance Experts

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We're RATED the UK's #1 Life Insurance EXPERTS for people with pre-existing medical conditions, dangerous jobs and extreme sports

Life insurance for extreme sports

It might seem an obvious point to make sure that you’ve got life cover if you take part in extreme sports.

Unfortunately, not everyone thinks about things like life cover and sometimes it’s just one of those things we put off sorting. It’s important to at least think about getting life insurance to protect your family and especially for people who take part in extreme sports.

Getting life insurance can be a lot quicker, easier, and cheaper than you might think as well, so well worth finding out more.

Life insurance definition of extreme sports

According to research, an extreme sport is a term that is used to define a high-risk sport or activity that can cause serious injury or even death.

The question of what is an ‘extreme sport’ appears to be defined by the levels of risk that are involved with participation, but this is not exclusive as there are other factors to consider.

Most common extreme sports

Here are some of the most common types of extreme sports, however, there are literally hundreds of ways to get your adrenaline fixed.

  • Abseiling
  • Base jumping
  • Bungee jumping
  • Canoeing
  • Climbing
  • Diving
  • Hang gliding
  • Ice climbing
  • Kiteboarding
  • Motocross
  • Motorsports
  • Mountain biking
  • Mountaineering
  • Paragliding
  • Skateboarding
  • Skiing
  • Snowboarding
  • Surfing
  • Zip lining
  • Windsurfing

There are many more that we could mention but these are just some of the main activities that we come across regularly.

Why do I need life insurance for extreme sports?

Apart from the obvious, if you are at risk then you should seriously consider protecting your family, there are a few things to consider.

Getting the best life insurance to protect your loved ones can give you peace of mind that your family is covered, regardless of what happens to us. Most of us think about getting life insurance but sometimes put it off or just don’t get around to it.

You should make sure that you’ve got the right cover in place and that you review your cover fairly regularly.

If you take part in extreme sports then you might want to think about how it might impact your family if something happens to you.

Our background in extreme sports

We aren’t just one of those companies that tells people what to do and what they should have, without properly understanding it first.

It’s important that you know what you’re talking about and even better if it’s from first-hand experience. Luckily, we are a team of experts that has been passionate about extreme sports for many, many years.

Our team has taken part in all types of extreme sports, including motorsports, motorcycle riding, mountain biking, skiing, snowboarding, surfing, and many more.

So you know that when you’re speaking to one of our team, we truly do appreciate what you need. Not only that, but we are also a family-run business so we also understand the need to protect our children in the event of something happening.

About iam|INSURED

We’re extremely proud to be rated the UK’s #1 life insurance expert for people that take part in extreme sports. Our team of SUPER FRIENDLY experts has over two decades of expertise in helping to protect families like yours.

Our customer service rating is a PERFECT 5.0 out of 5.0 Stars

Read our latest reviews on Feefo to see for yourself and find out more about us.

We also have access to one of the most comprehensive panels of TOP insurance partners, so you get the BEST choice and LOWEST prices.

Does life insurance payout for extreme sports?

Yes – life insurance will pay out a cash lump sum to your family if you die either whilst taking part in your sport or of other causes.

The only reason why life insurance shouldn’t payout is a standard exclusion of suicide in the first 12 months with most standard insurers. If you have a life insurance policy in place then your family should be fully protected financially.

People often think that life insurance companies will avoid trying to pay out if you claim, especially for high-risk activities or occupations. The reality is that life insurance has one of the highest payout rates of any insurance policy, at around 98%.

You can use life insurance to protect things like:

  • Mortgages
  • Rent payments
  • School fees
  • Other debts
  • Monthly outgoings
  • Tax liability

You can choose the amount of coverage that you think you need and the term of the policy in years.

Will my critical illness cover payout for extreme sports?

People who do extreme sports are generally at a slightly higher risk of serious injury from accidents. Your critical illness cover policy should payout for a number of musculoskeletal problems that may be caused by serious accidents.

You can take out critical illness cover to provide you with a lump sum to pay for things like:

  • Mortgage payments
  • Property rental
  • Clear debts (e.g. credit cards and loans)
  • Hospital treatment or medical care
  • Monthly bills
  • School fees

Most critical illness cover policies will provide you with a lump sum for serious injuries or permanent disability.

You will also be covered for serious illnesses, such as:

Also, please make sure that you check your policy wording closely to ensure that everything you need to be covered is included in your plan.

Does life insurance cover extreme sports?

Yes – if you have life insurance and you take part in extreme sports, then you will be covered for that activity if something goes badly wrong.

Most people are concerned about whether they will be covered for things like extreme sports on their life cover. The simple answer is that as long as you disclose information about your sport when you apply, then you’ll be covered.

There should be no reason why your chosen activity or sport should be excluded from your life insurance policy.

Best life insurance for extreme sports

You have a number of options when you are looking for life insurance so you just need to think about what you need to protect.

The best life insurance for you and your extreme sport will depend on your circumstances, such as mortgage, dependents, business, etc. All insurance policies are fundamentally the same because they all payout on the death of the insured.

Some of the main options for cover are:

  • Level Term life insurance (Family protection)
  • Decreasing Term life insurance (Mortgage protection)
  • Whole of Life insurance
  • Family income benefit
  • Business life insurance
  • Over 50’s life insurance
  • Accidental death cover

Thinking about your own situation and how you might want your life cover to pay out if you’re not around.

Can I get life insurance if I do extreme sports?

Yes – you should be able to get life insurance for almost all different types of extreme sports or high-risk activities.

If you’ve had problems getting life insurance in the past because of your extreme sport then it could just be that you applied to the wrong company. It’s true to say that some insurers are clearly better than others when it comes to getting life insurance for extreme sports.

Also, if you apply for life insurance with one insurer and you are declined or refused, that won’t affect future applications.

Cheapest life insurance for extreme sports

You can also save yourself money on your premiums by following a few quite simple steps that will help to reduce the cost.

Some of the best ways to save money on life insurance with extreme sports are:

  • Speak to an expert (get the right advice from someone that knows what they’re talking about)
  • Apply to the right insurer (again part of getting the right advice, you’ll only apply to an insurer that’s right for you)
  • Stop smoking (pretty obvious)
  • Reduce your weight (can also help to reduce your life insurance premiums)

If you’ve got life insurance in place already then you can also reduce your monthly premiums by reviewing your existing cover.

Can I get critical illness cover with extreme sports?

If you take part in extreme sports then you should be considering getting a critical illness cover to protect yourself.

Most people tend to think that they can’t get critical illness cover if they are classed as higher risk because of a sport, occupation, or medical history. This isn’t always the case and it’s well worth checking to see whether it is available to you.

You could find that critical illness cover is a lot cheaper than you thought and it might be a lot easier to apply for.

Need more help to get the best extreme sports life insurance

If you still need FREE EXPERT life insurance advice from our team of FRIENDLY specialists then call 0800 009 6559 or CLICK HERE.

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