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Life Insurance For Bodybuilders & Weight Lifters

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Are you a professional or recreational bodybuilder? Do you want to have financial security for your loved ones should something happen to you, including from your bodybuilding activities? This short guide is essential reading.

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The Advantages of Using Insurance Hero

Insurance Hero is a broker with extensive experience helping bodybuilders, weightlifters and strongmen get life insurance cover. Unlike mainstream insurers, specialist underwriters can provide quotes to have your bodybuilding activities included as part of your policy and not excluded.

Bodybuilding and Weightlifting: An Insurers Perspective

Risks for life insurers providing life cover for bodybuilders are the long association of the sport with steroid use and the high Body Mass Index of participants.

If someone has used drugs such as anabolic steroids, life insurance is available but it’s preferable to be off chemical assistance for between one and two years.

BMI can also affect the premium a life insurer offers. Some insurers will give tolerance if the extra weight is made up of muscle instead of fat.

Benefit from Our Extensive Network of Specialist Underwriters

We are a trusted partner due to our valued screening process. Our fact-finding questionnaire is very detailed. It works for both the policyholder and the underwriter.

The policyholder:

We ensure that the premium you pay closely correlates with the activities you undertake.

The underwriter:

Our questionnaire enables the underwriter to offer a premium that is a fair and accurate reflection of your bodybuilding activities.

Benefits for Both Parties

For both the policyholder and the underwriter, a fair premium and accurate policy details will ensure a payout in the case of death.

To ensure a fair premium, we will unobtrusively ask you questions. We expect honest answers. If you declare you do not use steroids but this is not true, it could invalidate any payout.

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Types of questions we will ask include:

  • How frequently do you lift weights?
  • Do you train alone or have a spotting or training partner?
  • Do you compete professionally or as an amateur?
  • Do you train with any underlying medical conditions?
  • Has your weight lifting activities led to any medical conditions?

Income Protection Cover Explained

Do you want financial security should you be unable to work for a lengthy period?

An accident resulting from your bodybuilding activities may stop you working and receiving a wage. It may have an impact on your financial circumstances, perhaps with a mortgage still to pay.

Income protection cover ensures that a regular salary is maintained until you can return to the workplace or if you are a professional bodybuilder to competition. Cover can kick in from as little as one month and as much as one year from the claim date.

The salary amount and when a policy kicks in can be agreed at the outset. It usually ties in with the contract with your employer and how long they pay you if you cannot work.

Consider income protection if you have financial obligations including but not limited to, the following:

  • Outstanding mortgage
  • Personal loans
  • Equity release
  • Credit card debt
  • One household salary

For a fast, free quote contact Insurance Hero on 0203 129 88 66. Our dedicated team provide income protection and other associated life cover for amateur and competitive bodybuilders. We will ensure your policy is tailored to your circumstances.

Understanding Critical Illness Cover

Should you be diagnosed with a critical illness, providing you survive at least ten days from diagnosis, as a policyholder you will be due a payout as agreed at the policy outset.

Life insurance companies have a list of standard illnesses and medical procedures covered under critical illness. As a bodybuilder or strongman, lifting heavy weights has a long association with certain types of disease. These can be available for extended cover at the outset of a policy.

Critical illnesses and diseases common to weightlifters include but are not limited to, the following:

  • Heart attack
  • Structural heart surgery
  • Kidney failure
  • Stroke
  • Heart valve replacement or repair
  • Primary pulmonary hypertension

The cover amount is the result of paying regular premiums over the term of the policy which tailors to your needs and circumstances. There are three levels of critical illness cover to further match your personal situation and stage of life.

Level Cover

The cover or payout amount will stay the same throughout the duration of the policy.

Increasing Cover

This type of cover keeps up with inflation as measured by the consumer price index. This can be useful if you expect your living costs to increase over time. Perhaps you will have school fees to pay.

Decreasing Cover

Decreasing cover sees the payout size reduce over the term of the policy. It is useful if the cover matches mortgage payment commitments. As a mortgage nears maturity the debt falls.

For more information on critical illness cover and a no-obligation quote, contact Insurance Hero. Our friendly team are on hand to assist you on. Your policy is our priority!