Best Life Insurance For Bodybuilders & Weight Lifters 2024

Elaine Brookes Steve Case

Author: Steve Case - Insurance Expert

Reviewed & Fact Checked By: Elaine Brookes

Updated: 8th December 2023


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

Reasons To Consider Getting A Quote Today:

  • Assistance throughout the whole process, you’ll know you’ve got the best policy to protect your family or to cover your mortgage
  • Comprehensive cover for bodybuilders at great value rates
  • Tailor your policy to fit your own specific needs and requirements
  • Choose from a range of policy options, including term life insurance and whole of life policies

Compare The UK’s Top Insurers To Find Your Cheapest Quote. Get In Touch Today!

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  • Our price match promise means we will find you the right cover for your personal circumstances at the lowest price possible. Terms & Conditions and Privacy Policy

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The Advantages of Using Insurance Hero

Our providers have 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.

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

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

Benefit From An Extensive Network of Specialist Underwriters

There is a valued screening process and detailed fact-finding questionnaire. It works for both the policyholder and the underwriter.

The policyholder:

They ensure that the premium you pay closely correlates with your activities.

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 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, they will unobtrusively ask you helpful questions.

Protect The Ones Who Matter Even After You’re Gone. Get A Free Quote

life insurance for weightlifters

  • Our price match promise means we will find you the right cover for your personal circumstances at the lowest price possible. Terms & Conditions and Privacy Policy

Types of questions asked 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?
  • Have your weight-lifting activities led to any medical conditions?

Income Protection Cover Explained

Do you want financial security if you cannot work for a lengthy period?

An accident resulting from your bodybuilding activities may stop you from working and receiving a wage. It may impact 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 upon 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. A dedicated team provide income protection and other associated life cover for amateur and competitive bodybuilders. They 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 results from 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 measured by the consumer price index. This can be useful if your living costs 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 is on hand to assist you. Your policy is our priority!