Best Life Insurance For Bodybuilders & Weight Lifters 2024

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.

For bodybuilders seeking financial security and protection for their loved ones, life insurance for bodybuilders and weight lifters offers specialised policies that address their unique needs.

These plans ensure that bodybuilders can obtain comprehensive coverage that accounts for their specific lifestyle and activities, providing peace of mind and financial stability for their families.

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!

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

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 provides income protection and other associated life coverage 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 is long associated 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 policy’s term, which is tailored 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.

Frequently Asked Questions about Life Insurance for Bodybuilders

1. Can bodybuilders get life insurance coverage?
Yes, bodybuilders can obtain life insurance coverage. Many insurers offer specialised policies tailored to the unique needs and risks associated with bodybuilding, including considerations for higher BMI and potential steroid use.

2. Does steroid use affect life insurance premiums for bodybuilders?
As mentioned above, steroid use can affect life insurance premiums. Insurers typically prefer applicants to be free from steroid use for one to two years before offering a policy. Disclosure of past steroid use is advisable for an accurate assessment and fair premium.

3. How does a high BMI impact life insurance for bodybuilders?
A high BMI can impact life insurance premiums. However, some insurers make allowances if the high BMI is due to muscle mass rather than fat. It’s important to find insurers experienced in underwriting policies for bodybuilders.

4. What types of life insurance policies are available for bodybuilders?
Bodybuilders can choose from various life insurance policies, including term life insurance, whole life insurance plans, and critical illness coverage. Each policy type can be tailored to meet the bodybuilder’s specific needs and circumstances.

5. What information do bodybuilders need to provide when applying for life insurance?
When applying for life insurance, bodybuilders must provide detailed information about their training routines, weightlifting frequency, competitions, and any underlying medical conditions. This helps insurers accurately assess risk and determine premiums.

6. Can bodybuilders get income protection insurance?
Yes, bodybuilders can get income protection insurance. This type of insurance provides financial security if they cannot work due to an injury or illness related to their bodybuilding activities, ensuring a regular income during recovery.