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Life Insurance for Extreme Sports

It’s important to have the right life insurance to protect your family, especially if you regularly take part in extreme sports such as rock climbing, snowboarding, or motorsports. If something goes wrong and this leads to your death, your life insurance policy would pay out a lump sum to support your family with key expenses like mortgage repayments or funeral costs.

Every life insurance company will have a different opinion about extreme sports and the level of risk, which means that some insurers will be cheaper and more suitable for you than others. Depending on the sport, you can usually get covered by some of the UK’s main life insurance companies, and a high-risk life insurance specialist can explain all your options.

In this guide to life insurance for extreme sports, our life insurance specialists will look at how extreme sports can affect the price of life insurance in the UK. It’s possible to get affordable life insurance for extreme sports, and the key is to check what prices each insurer can offer to see which is best and cheapest for you.

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60-Second Summary – Life Insurance for Extreme Sports

Life insurance for extreme sports can be available, though it is often trickier to work out your best options for cover. Several top UK insurance companies will offer life cover for extreme sports to help you provide financial security for your family and mortgage.

Our team has taken part in all types of extreme sports, including motorsports, mountain biking, skiing, and many more. This gives us a first-hand understanding of how extreme sports can affect life insurance and the most important things to watch out for when you apply.

  • There are normally several options for life insurance for extreme sports, which includes policies like family life insurance, mortgage life insurance, and family income benefit.
  • Your policy should cover any extreme sports that you have disclosed, as well as any that you start in the future.
  • The price of your life insurance will be based on which extreme sport you take part in, the level of risk associated with this sport, and if this is a hobby or your profession.
  • Your insurer will also ask all the standard life insurance questions about your lifestyle, general health, and family medical history when you apply.
  • A specialist life insurance company can often be a more appropriate choice for people who take part in ‘dangerous’ extreme sports. An experienced life insurance specialist can tell you which insurers will work best for your situation if you are unsure.

In most cases, you should be able to get life insurance that will cover extreme sports and other high-risk activities. The main thing is to ensure that you disclose everything properly to the insurer when you apply so that your policy is valid.

Some insurers are much better and cheaper than others for extreme sports life insurance, and it’s worth comparing quotes from a few insurers to understand all your options.

What qualifies as an extreme sport for life insurance?

According to the Encyclopaedia Britannica, extreme sports are ‘sporting events or pursuits characterised by high speeds and high-risk’. If you enjoy taking part in any extreme sport, your life insurance company will want to know more about this.

Insurers will use this information to assess the level of ‘risk’ that comes with insuring you, based on whether your preferred extreme sport is particularly dangerous. Common examples of extreme sports that insurers will want to know about include skiing, rock climbing or mountaineering, and parasailing.

Does life insurance cover extreme sports?

Your life insurance policy should cover extreme sports if your insurance provider was aware that you take part in this sport when you applied. This means that you will be covered for this activity if something goes badly wrong, which can give you some peace of mind.

Some insurance companies could decline to cover you if they aren’t comfortable with the increased risk of claims, but there will usually be several options for you.

Note: As your life insurance policy is based on your lifestyle when you apply, you don’t need to tell your insurer if you decide to take up a new extreme sport in the future.

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The best extreme sports life insurance for you will depend on your circumstances, such as your mortgage and if you have any children or other dependents.

There are a range of life insurance policies that are available, and you should choose the type of cover that is most appropriate for you. Term life insurance is a popular choice, with options for family protection (level term) and mortgage protection (decreasing term) policies.

You should think about how much cover you might need, and avoid buying too much cover if possible. While it can be tempting to buy a higher level of protection, the main priority should be to make sure that your policy is affordable long term. Financial Martin Expert covered this topic briefly in an interview on ITV’s This Morning several years ago, which is shown in the clip below.

Martin Lewis’ Guide to Life Insurance – How Much? | This Morning

When you apply, the insurance company will ask for more details about any extreme sports or other high-risk activities that you mention. They will also ask standard questions about your age, health, and other aspects of your lifestyle. This information is then used to work out if the insurance company can offer you life cover and what price this will be.

Key factors for extreme sports life insurance:

  • Which extreme sport do you take part in?
  • How often do you take part in this activity?
  • How dangerous is the activity that you take part in?
  • Is this a hobby or a professional sport that you are employed for?
  • Do you take part in multiple extreme sports?
  • Do you have any pre-existing medical conditions?

Life Insurance provider reviews

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.

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 pay out rates of any insurance policy, having paid out around 98% of claims since 2017*.

*according to figures from the Association for British Insurers (ABI)

In most cases, taking part in a high-risk activity like an extreme sport will affect the cost of your life insurance policy. This doesn’t necessarily mean that cover won’t be affordable, but it can cost slightly more.

This is why you should always shop around for the best life insurance quotes, to make sure that you don’t end up paying more than you need to. Some insurers will offer far lower prices and it’s worth looking at all your options before making a decision.

The example below shows a real, live insurance policy that was set up by our life insurance experts in 2023. In this case, Mr I. regularly climbs mountains which insurers will view as an ‘extreme’ sport. With the help of our experts, he was able to get £200,000 of life cover to protect his family for only £21.56 per month.

Details of applicantMr I. was born in 1981 and is a non-smoker.
Health and lifestyle informationMr I. often climbs mountains in Europe (heights of less than 4,000 metres).
Mr I. has no pre-existing medical conditions.
Other health detailsHeight: 6’4” / Weight: 14st
Cover requirementsMr I. wanted £200,000 of level term life insurance to protect his family over the next 35 years.
Monthly premiums (£s)£21.56 per month
Guaranteed (fixed) premiums
Specialist insurance company (Guardian)

How do I find cheaper extreme sports life insurance?

There are a few things that can help if you are trying to save money on your new (or existing) life insurance policy. Our main suggestions are:

  1. Stop smoking: Smokers can face higher prices for life insurance, so you can usually save money by quitting or cutting back (for 12 months or longer).
  2. Reduce your weight: If you have a high BMI, losing weight can help you to lower the cost of your life insurance premiums.
  3. Apply to the right insurer: Certain insurance companies can offer better prices based on your age, health, and lifestyle, so it’s always best to compare multiple quotes.
  4. Review your cover: You can sometimes save money by reviewing an existing life insurance policy, especially if you need less cover now (e.g. your children have left home).

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Critical illness cover can be available even if you take part in extreme sports, though many people assume that it won’t be. You shouldn’t let your lifestyle put you off from applying for critical illness insurance, as you might find that you have several options for your cover.

People who do extreme sports are generally at a slightly higher risk of serious injury from accidents. Your critical illness cover policy should pay out for a number of musculoskeletal problems that may be caused by serious accidents. It will also pay out if you are diagnosed with serious or life-changing conditions such as cancer or a stroke.

Does life insurance cover sports injuries?

If you died due to serious injuries caused by an extreme sport, your life insurance policy should pay out a cash lump sum to support your loved ones financially.

It won’t pay out for treating sports injuries, though policies like critical illness insurance could pay for serious (life changing) injuries such as paralysis.

How much extreme sports life insurance do I need?

When thinking about how much life insurance you need, you should consider the ages of your children (if applicable). If they are young, you may need a higher level of cover or to be covered for a longer amount of time (policy term).

If you are concerned about protecting your mortgage, you can tailor your policy to cover your full mortgage balance. Decreasing life insurance will reduce your cover amount over time, so that it matches the amount that is left to pay off your mortgage.

There won’t be one ‘best’ life insurance policy for extreme sports, as the type of cover that is needed can vary from person to person. Your age and medical history will affect which policies are most appropriate for you, as well as the exact sport that you take part in.

Life insurance provides the best financial protection for your family, which is why it is important to get the right advice when you apply. Our team are experts in life insurance for different types of sports and hazardous activities including scuba diving, base jumping, skiing and much more.

For a free quote from our friendly life insurance experts, you can CLICK HERE or call 0800 009 6559.

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Is it worth paying for life insurance?

Yes, if you’ve got children or financial dependents then you should have life insurance to protect them if you die. Martin Lewis and the Financial Conduct Authority recommend that you take out life insurance to protect your family and your home. Generally, life insurance premiums start from as little as £5 per month and will be cheaper for younger adults.

Common myths about life insurance:

  • Life insurance won’t pay out (pays out 98% of claims)
  • People with medical conditions can’t have life insurance
  • Life insurance is expensive
  • Savings can be just as effective as life insurance
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What is the average cost of life insurance per month?

Based on recent research carried out, the average cost of life insurance is approximately £38 per month and the average level of cover is £152,000. Life insurance premiums also vary dramatically from one insurance provider to another and you can reduce your monthly premiums by shopping around.

Fundamentally, life insurance premiums vary depending on your age, health and the amount of cover that you need, starting from as little as £5 per month. You can also get life insurance to protect your family and your home against financial loss if you die.

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Average cost of life insurance - iam|INSURED

What does life insurance cover you for?

Life insurance is a monthly renewable ‘term insurance’ contract that pays out a cash lump sum or regular payments on death to your family or beneficiaries. Policies are most commonly used for family protection or mortgage protection for your loved ones if you die and your household income reduces, plus the additional issues of losing a parent or carer.

Traditional life insurance will not exclude any pre-existing medical conditions and will cover suicide after 12 or 24 months. You can also use life insurance for business protection purposes as well as tax-efficient business life insurance for directors or key people.

What are the disadvantages of life insurance?

The biggest and most common problem that consumers have with life insurance is the cost and the monthly premiums. This is the top reason for policy cancellations and why more people don’t take out life insurance to protect their family.

Another key disadvantage with life insurance is that it holds no investment value, nor can you cash it in. Life insurance works like any other traditional general insurance policy (e.g. car insurance, house insurance, pet insurance etc.), you pay a monthly premium and it will pay out in the event of a claim. Some people decide to use savings instead of taking out life insurance but you need to make sure that you have sufficient savings to cover the costs of death for your family.

Why do I need life insurance?

The fact is that nobody actually ‘needs’ life insurance, but it is strongly recommended that families and couples have cover to protect their loved ones in the event of death. Martin Lewis recommends life insurance and says “this is something that every parent, partner, or person with any other type of dependent needs to consider”.

Life insurance financially protects your loved ones if you die and pays out a cash lump sum to repay your mortgage, pay for school fees, replace lost income, and pay for regular outgoings. Mortgage life insurance is not linked to your mortgage debt so you can use it to pay off some or all of your mortgage.

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