Life insurance for mountaineers
We’ve got an extensive background in working with mountaineers, rock climbers, and other alpine sports. If you need some help or advice to understand what’s available and what’s best then we can help.
Our mountaineering history at iam|INSURED
You should always want to help people that you are closely connected and that’s why we’re keen to help mountaineers. Our Managing Director (Dan Sharpe-Szunko) has a long history in the world of alpine sports.
From the age of 14 and his first part-time job working in one of the most prestigious climbing shops in Britain. Dan spent many years heavily involved in alpine sports, including living for several years in Chamonix.
Through Dan, we understand the risks that come with taking part in alpine sports, such as mountaineering. We are extremely proud of our mountaineering heritage and that we can now help climbers and mountaineers to get the cover they need.
Why do mountaineers need life insurance?
The plain and simple fact is that mountaineering ‘can be’ dangerous as we all know from personal experience, or from close friends or colleagues.
There are many reasons why we can find ourselves in danger when in the mountains and some are completely out of our control. It is always advisable to be prepared for those events that we can’t predict or sometimes control.
You can get life insurance for mountaineers and that cover can be extremely valuable to your loved ones.
- Alpine and expedition
- Rock climbing
- Ice climbing
- Ski touring
We’re extremely proud to be voted 5.0 out of 5.0 stars by our customers and the excellent service that we provide. Our team of highly skilled and super friendly experts has helped to protect thousands of customers and their families.
Don’t just take our word for it… check out our latest reviews on FEEFO to find out more
We also have access to one of the most comprehensive panel of insurance partners to give you the BIGGEST choice and BEST rates.
About life insurance for mountaineers
Here we look at what life insurance can do for you and your family if you take part in mountaineering activities, as well as answer some of those all-important questions.
Does life insurance payout for mountaineers?
The simple answer is YES, if you have life insurance and you die either whilst mountaineering, or in normal day-to-day life, then your cover will payout.
Standard life insurance policies do not come with exclusions so if you a covered by a mainstream insurer, then your policy will pay your claim.
There are some non-standard policies that may not pay out or have exclusions, so you should always check your documents carefully. Mountaineering can often be listed as an excluded activity from specialist policies.
You can get life cover to protect your family to pay for:
- Pay off your mortgage(s)
- Future rent payments
- Loans, credit cards, and other debt
- Cost of living
- Tax liability (IHT)
Most life insurance policies will cover you for a period of time and at a level of cover that suits your needs or budget.
Mountaineers life insurance will make sure that your family is fully protected in case anything happens to you. You should be covered for any climbing or mountaineering activities as well as any other risks, such as medical or occupation.
Does critical illness cover payout for mountaineers?
Yes, you should be able to get a policy to cover against serious illness if you take part in mountaineering activities.
This type of cover is designed to pay out a cash lump sum if you are diagnosed with a critical illness, such as:
- Heart attack
- Multiple Sclerosis
- Loss of limbs
Most critical illness policies will cover around 50 illnesses, however, there are some policies that cover over 150 conditions. It’s important to check the quality of your contract before you buy it.
How much is life insurance for mountaineers?
You can get life cover to suit almost any budget and there is a wide range of options available for mountaineers.
The most important point is to consider how much coverage you need to protect your family and how long you need it for. If you have dependent children or a partner that relies on you financially then make sure that you have enough cover for them.
The main reasons why premiums can be different are:
- Your age
- Do you smoke
- How much cover do you need (£’s)
- Length of your policy (years)
There are also a few other things that can have an impact on your premiums for mountaineering life insurance, such as:
- Which insurer you are applying to
- How often do you climb
- What height do you go to
- How severe are your routes
You can save money on mountaineering life insurance by speaking to an expert and getting specialist advice.
Most standard insurance companies don’t have the knowledge or expertise to get you the best cover for the best price. If you get specialist advice then you should be able to save time and money on your premiums.
Best life insurance for mountaineers
You should consider life insurance very seriously if you take part in any mountaineering or climbing activities, especially if you have a family.
The best life insurance policies for climbers will be:
- Level term (family protection)
- Decreasing term (mortgage protection)
- Whole of life cover
- Family income benefit
You can also take out specific policies that might provide cover for you for other potential mountaineering risks, such as:
- Critical illness cover
- Income protection
- Personal accident insurance (including accidental death)
- Private medical insurance
If you want to know more about each type of cover then please contact one of our friendly experts for guidance.
Cheapest life insurance for mountaineers
We all love to save money, and with life insurance, it is possible to reduce the cost of cover, especially with hazardous activities like mountaineering.
One of the quickest and easiest ways to reduce your premiums is to speak to an expert and get proper advice. Our expert advice is free and we’ve been helping mountaineers to save money on life cover for over 20 years.
Some insurers simply charge more than others for certain things and especially when it comes to dangerous activities.
Make sure that you disclose accurate information about your mountaineering activities, especially for regular climbing.
Some of the best ways to reduce your life insurance premiums:
- Get expert advice from mountaineering experts
- Take out cover when you’re young
- If you smoke then you can reduce costs if you quit
- Get quotes from several insurance providers
An expert will search the insurance market to find the best and cheapest cover to protect your family.
Need mountaineering life insurance advice?
You can speak to one of our friendly life insurance experts FREE on 0800 009 6559 or CLICK HERE to get in touch.