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Professional sports life insurance Experts

Getting professional sports life insurance can be simple if you apply to the right companies and get advice from a specialist with the right experience and background.

It’s important to consider life insurance for anyone with a family or a home to protect against loss. If something happens to you then you’ll want to make sure that your family is looked after financially.

According to Statista, as of 2019 there were around 12,900 people working in professional sports and fitness in the UK. We have helped many sports professionals put the best possible cover in place to safeguard their family’s futures.

Five Stars

Rated "Excellent" 5 out of 5

"This company went above & beyond to get me cover even though I have MS, I am very happy I managed to get cover, Amazing staff, Dean went above & beyond, I highly rate this company."

by Elizabeth Turner-Long - 9th August 2023

We have been helping to protect professional athletes in the UK for over 20 years and have worked with many of them to help protect their families.

Our team of extremely skilled and friendly experts has helped to protect thousands of our customers and their loved ones. We are also extremely lucky to have worked with some of the top-level elite athletes over the past two decades.

Are professional sports excluded from life insurance?

NO – your life insurance will always include your occupation as an elite athlete so you should be fully protected.

If you’re unsure about whether you are covered with an existing policy then you can check your policy wording. It will state whether there are any exclusions with your policy and whether you have any special terms.

Most of the mainstream insurers don’t offer life insurance cover with exclusions, so if you’re covered by one of the main brands then you should be fine.

Why do I need life insurance for sports professionals?

Professional sports people and elite athletes need life insurance for exactly the same reasons as everyone else, to protect their family and loved ones.

Most professional sports don’t have a higher risk of mortality or morbidity unless they are high-risk activities (e.g. motorsports, mountaineering, extreme sports, etc.).

Also, don’t be confused by other professional sports insurance products such as injury or accident cover, and professional indemnity.

The good thing about professional sports life insurance is that it is incredibly flexible so you can easily fit your policy to your needs and budget.

However, if you apply to the wrong company or if you don’t get the right advice then your cover could cost considerably more than it needs to. You should make sure that you speak to an expert or a specialist in this area to be able to better understand your options.

Life insurance premiums will be based on:

  • Your age
  • How much cover you need (£’s)
  • What term you want (years)
  • If you have any pre-existing medical conditions to consider
  • Smoker status
  • Which type of cover (e.g. level, decreasing, whole of life, etc.)

You will also need to disclose any information about your occupation which may also have some impact on your premiums.

The premiums that you will pay for life insurance will be based on your individual circumstances. You can easily save money on your life insurance premiums, however, by getting cover from the right insurance provider.

Compare the best life insurance for professionals in sports

You will be able to choose from several main options of types of life insurance policies to suit your requirements – and comparison can be key to finding the right terms at a fair price.

Each different type of life insurance policy is designed to provide specific coverage to protect your family and your home. You can choose the policy that best suits what you are looking to protect and for what reason.

Some of the main types of life insurance policies are:

Can I get critical illness cover for professional sports?

You should be able to get a critical illness cover policy if you are a professional sportsperson or an elite athlete.

A critical illness cover policy is designed to give you financial protection in the event of diagnosis of a serious illness or injury. You can use this type of cover to replace your income for a period of time while you recover or are unable to work long-term.

There are some sports careers where it can be more complicated to get this kind of cover so you just need to get proper advice. A possible outcome is that you might be offered a policy that excludes your occupation or potential injury from it.

Speak to our experts to learn more or check out our page on CRITICAL ILLNESS COVER.

YES – you should be fully covered and protected if you have life insurance cover and you take part in full time professional or elite sports.

This means that your family should receive a cash lump sum if you die either while taking part in sports, competing in matches or in normal day-to-day life. There are many reasons for wanting or needing life insurance to pay for things like:

  • Mortgage(s)
  • Property rental
  • School fees
  • Debts
  • Tax liability

You just need to consider what you need life insurance for and how it will pay out to your family or dependents.

Some of the most common professional sports that we deal with:

Does critical illness cover pay out for athletic professionals?

There are a number of elements that will be covered under a standard critical illness cover policy for professional sports.

Many people who take part in professional sports can be exposed to extra health and physical risks. The potential risks and dangers will clearly depend on what your elite sport is and what level you take part in.

You will generally be covered for serious illnesses and injuries that may occur as a result of taking part in professional sports, such as:

Life insurance FAQs

How much cover do I need?There are various things to consider when looking at how much life insurance you will need such as:

Mortgage amount/Rent
Outstanding debts
Dependants (Ages)
Income Expenditure

Our experts can find a range of policies with different prices and levels of cover to suit your individual needs.  
How long should I take out cover for?It is now possible to be covered up until age 90 for life insurance (this will vary for critical illness cover and income protection). Some factors to consider when deciding your policy term include:

Estimated retirement age
Age of dependants
– Amount of savings
– Other investments


Our team are specialists in professional sports life insurance and will discuss which options are available.  

Our team are super friendly and passionate life insurance experts that have helped to protect thousands of families. We are also extremely proud that our customer rating is 5.0 out of 5.0 stars on Feefo.

Our experts have one of the most comprehensive panels of insurance partners in the UK with access to all mainstream and specialist insurers.

With years of expertise in professional sports life insurance, we know exactly where to look to find the best policies at the fairest prices.

Useful resources

Professional Players Federation (PPF) – What we do

UK Sport – About Us

House of Commons Library – Participation in sport England

UK Sport – Jobs in Sport

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