Professional or Amateur Athletes

Life Insurance for Athletes


Taking part in Professional Athletics or even some Amateur Athletics may impact on your life insurance cover and the consequences may or may not be marginal.

Typically, Athletic sports which involve potentially violent / combative contact, require protection equipment to be worn or take place at height or high speeds involve higher risks of death whether directly or indirectly.

Some Athletes may also bring about higher risk of death due to the intensity of the training required or because muscle gained through training sees athletes exceed “normal” body mass index limits. Some insurers can decline based on a high BMI, regardless of the fact your fitness, monitoring of health and structured training regimes may reduce real risk.

Different mainstream insurers have developed different responses to Athletes, sometimes depending on the specific sport(s). If you have not been declined life insurance by the mainstream insurers, you may well be best trying to find cover this was in the first instance.

If you have been declined cover, then Pulse may well be able to help.


Factors affecting Life Insurance

Broadly speaking, the price and availability of life insurance cover will depend on a number of factors

  • the sport(s) you take part in
  • the level of Athletics you compete at
  • the frequency and nature and locations of your competitive activity and training
  • any specific preparations such as high-altitude training
  • your age
  • your experience and the support of your trainer and others
  • and if you have any medical conditions

Depending on the above, there may be little or no additional cost or the increased risk may see a significant loading.

Pulse are specialists in finding cover for Professional Athletes when some insurers are declining to quote or wish to exclude their Athletic activities.


 Your Specific Sport

We have produced more specific advice about many hazardous leisure pursuits.

While being a professional athlete brings a different perspective, much of what we have written about the same sport/pursuit will be directly relevant.

You can search our Hazardous Sports & Pursuits.

If your sport is not listed, please complete our Professional Athletics enquiry here and we will review this and discuss any specifics with you if necessary.

If you have any questions, please do not hesitate to call us on 01280-431280.


Make a Life Insurance Enquiry

If you need a specialist underwriter.

If you have not been able to get a suitable quotation for Life cover, Pulse specialise in taking your Athletics, any other pursuits and any medical conditions and needs into account and finding Life Insurance cover, if it is available.

We use our knowledge and experience to find a solution when other Life Insurers have declined to quote. Each enquiry is treated individually by our underwriters and not simply rejected or accepted by a computer-based system.


Your Health Background

It is logically true that Athletes are very fit and healthy. However, there are many who compete whilst having a medical condition or have a higher than normal BMI. It is possible your health may have as much or more impact on Life Insurance availability. You can begin by reviewing the dedicated details about many medical condition(s) on this website.

You can / should declare any medical conditions to us when you make an enquiry. Again, we have prepared specific questions for many conditions. If you are in perfect health, you will be asked to confirm this on your actual Life Insurance application.


Our Indication of Cover Availability and Cost

By providing all your details clearly and accurately, you allow our underwriter(s) to build an individual picture of you and your sporting activity.

We know that getting and early idea if you can be covered and what kind of premium costs is involved is important. 

We usually give an indication of premium and cover availability within 5 days.

Our policyholders tell us it is important to learn the availability of cover and to get an idea of price quickly.

It can be but is not always necessary for us to seek a Doctor’s report or for you to undergo medical examinations, blood tests and other tests that will confirm your health to allow our underwriters to quote a fair and accurate premium and confirm cover details. These tests are paid for by the underwriter, if you take out the policy.

Why Pulse Insurance?

  • Pulse Insurance have been focused on finding unusual cover since 1998
  • We strive to offer a caring and sensitive service
  • We are knowledgeable insurance professionals who work as a team
  • We provide a personal service to guide you through
  • If we cannot help, it will not be for the want of trying or know-how

While finding cover for everyone is not always possible and the premium will be higher to reflect your increased risk, we like to think we are rather good at helping people find the cover they need.

In most cases, we can offer indicative premiums and/or sense of if cover may be available or not early on; so, you can decide to proceed or not.


Being Transparent

It is always important to declare your Athletics activity and any medical conditions completely.


Your Personal & Medical Details

Everything you disclose about your Health and any underlying conditions to any life insurer or life agent should be treated with sensitivity and appropriate levels of privacy.


Changes to Your Health

Over time, your health can improve. If this happens, then Pulse may be able to discuss this with your insurer and negotiate a reduction in the premium you pay.

Equally, we provide cover based on a “snapshot” of your health, so once a policy has been issued, neither your premium or your cover will be adversely affected if your health subsequently deteriorated.


Requirements for more information

While our initial enquiry may not gather enough information to provide an indication of cost, our insurers may ask for more in depth information regarding your Athletics or any medical conditions. Sometimes the details you can provide may allow them to reduce the premium they seek.

In cases of serious ill-health, Life Insurers will often seek a Medical Report from your doctor or consultant, Pulse will help you through this process and will explain your rights to see the report and challenge anything you believe to be inaccurate. You may find it helpful and reassuring to know your doctor has disclosed everything material.

Pulse will never sell your details to anyone. We will use your details to provide the service you have asked for according to the permissions you grant us– read our Privacy and Data Protection policy in full.


Additional Covers

Pulse may be able to offer covers beyond everyday Life Insurance to give you the peace of mind and protection you desire.


Beyond Life Insurance

More Life Insurance

The reasons you may need life cover may be simple or complex, but having the right covers brings peace of mind for you and your family.

Make an enquiry