Mountaineering & Rock Climbing Life Insurance Cover
This short guide will talk about why you should get mountaineering life insurance cover.
We will even explain how Insurance Hero can provide you with a competitive quote tailored to your needs. Read on to learn more.
How Can Insurance Hero Help?
Insurance Hero has long-standing relationships with underwriters. We will ensure that the underwriter has an accurate picture of your climbing activities. We do this by undertaking a thorough but unobtrusive fact-finding questionnaire. We know intimately what the underwriter requires to provide you with a watertight policy.
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Critical questions that Insurance Hero needs to ask regarding your mountaineering participation include the following:
- Do you climb alone or in a group?
- In what climbing discipline are you involved?
- Do you climb professionally?
- What is the frequency of your climbing?
- Do you climb with underlying medical conditions?
- To what organisations do you belong?
- What altitude and what grade of ascent do you participate?
- What locations do you climb?
- Do you climb outside the United Kingdom?
Climbing Risk and The Grading of Ascent
The ascent grading of the climbing activities you are involved is an essential element for underwriters looking to provide you with life insurance to include your participation in the sport.
The BMC or British Mountaineering Council has produced an industry standard grading system for climbing ascents. At the lowest scale, recreational climbing within the UK could see your life cover unaffected by your participation. Steep inclines could result in loaded premiums or special conditions attached to your life cover.
Insurance Hero understands what underwriters require to provide a quote, and we want your activities included and not excluded from your policy.
Life Insurance Cover for Mountaineers
As with other insurance products, life insurance works by providing a lump-sum payment should you die, in return for regular monthly premiums throughout a fixed term policy, a term set at the outset of the life cover.
Reasons for choosing life insurance vary. Perhaps you are the primary breadwinner and want to make sure you’re your family are secure should you die. You may have significant financial liabilities, including personal loans and an outstanding mortgage balance. The insurance would pay these debts off should you die.
Whatever the reason for proceeding with a life insurance policy, deep down, the peace of mind that a watertight life policy can bring as you enjoy your mountain pursuits is incalculable.
Insurance Hero will guide you through setting up a policy, and we will make sure to detail your exact circumstances in any quote. Providing you with a tailored life insurance policy is our priority!
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Insurance Hero is a broker with a strong track record for providing life cover for those participating in extreme sports, including mountaineering. Contact our professional team on 0203 129 88 66 for a fast and free quote. We want your experience to be seamless throughout the customer journey!
The Best Life Insurance for Rock Climbers
For life insurers, rock climbing is a discipline that comes under broader mountaineering activities for life insurance purposes. Insurance Hero can offer the best life insurance quotes for rock climbers, again due to our strong relationships with underwriters that specialise in including extreme sport within policies.
Critical Illness Cover Explained
If you get a critical illness, you may be unable to work again. Critical illness cover, through regular monthly or annual premiums, provides a lump sum payout which can support you and your family. A policy covers not all illnesses.
Examples of illnesses that fall under critical illness include the following:
- Bacterial Meningitis
- Cardiac arrest
- Heart attack
- Heart valve replacement or repair
- Multiple sclerosis
- Motor neurone disease
- Primary pulmonary hypertension
- Liver failure
- Kidney failure
- Loss of hand or foot
- Structural heart surgery
- Spinal stroke
- Benign spinal cord tumour
- Parkinson’s disease
- Loss of hand or foot
For more information on critical illness cover, including your participation in mountaineering, feel free to contact Insurance Hero today. Your policy is our priority!
Income Protection Cover
You may have a mountaineering accident and be unable to work for a time. Income protection like other types of life cover works by providing security in return for paying in regular premiums into a policy.
Should you be unable to work, a regular salary will provide for you and your dependents. It will allow you to concentrate on your recovery without any financial worry. If you are the primary breadwinner or you have financial commitments, you should consider income protection cover, including your mountaineering activities.
Types of financial commitment may include some of the following:
- Outstanding mortgage payments
- Equity release loan
- Credit card debt
- Personal loans
- Car loan
- Hire purchase agreements
- Bank overdraft
Do you actively participate in mountaineering and associated climbing activities? Insurance Hero is an experienced provider of life insurance and related cover for the sport. Contact our friendly brokers now on 0203 129 88 66 for a no-obligation quote. We are here to help.