Life has rarely felt quite so fragile as it has during these unparalleled and challenging times.

Whilst we all crave for life (and rugby) to return to normal, for many, the Covid-19 pandemic has been the trigger to consider life insurance protection for the first time.

But does playing our brilliant but brutal game of rugby impact your ability to secure affordable life insurance?

Life insurance in basic terms is simply financial protection for your loved ones, should anything ever happen to you. Think of it as a safety net for an absolute worst-case scenario.

Cover generally lasts for a set period of time, known as the policy term. After the term expires the policy lapses and no claim can be made.

When we get married, have children and/or buy a house, this is often a trigger to take out life cover.

The younger and healthier you are, the cheaper your cover will be, so it’s a good idea to try and be proactive and secure cover early.

Did you know, it is possible to secure cover from as little as 20p a day.

Since rugby union turned professional in 1995 there has been a noticeable increase in the overall physicality and the hits only seem to be getting harder and heavier.

The games governing bodies have tried to counter this increased risk of injury by being much harsher on serious foul play, high tackles and raking.

Despite these measures, there has been a marked increase in serious injury within rugby, with concussion being the most common issue.

Whilst fatalities in rugby are fortunately very rare, as with incidents of serious concussion, they are on the rise.

The cost of life insurance premiums are largely calculated by the level of risk you pose to the insurer. Put another way, the greater the likelihood of a claim, the higher your premium.

If you are one of the 340,347 registered players in the UK who enjoy a casual weekend run out, your participation is highly unlikely to impact your ability to get cover or the monthly cost. In fact, the health benefits of the exercise are more likely to have a positive effect on your premiums.

The most influential personal factors on life insurance cost are your age, your weight and your smoking status.

From a policy viewpoint the longer the term and the higher your cover amount, the most expensive your premiums will be.

When it comes to the more serious rugby players, it is likely that you will be considered a higher risk by the insurer.

As a result of the increased intensity of high-level sport and particularly the physicality of professional rugby, insurers are likely to migrate this increased risk you pose by hiking your monthly premiums.

Life insurance broker Reassured have written this comprehensive article on high risk life insurance applicants if you require more detail.

Whereas life insurance pays out a lump sum to loved ones if you were to pass away, income protection insurance income pays out each month if you’re unable to work as a result of injury or illness. Effectively it replaces a lost income for a period of time.

Income protection usually pays out until you reach retirement, or you return to work, however shorter-term policies are available at a lower cost.

Critical illness cover, as the name suggests, pays out if you were to fall critically ill and are unable to work. Unlike income protection, with critical illness cover you receive a lump sum pay out.

It can be added as part of a life insurance policy (at an additional cost) or as a standalone policy.

Whether you decide to take out life insurance or income protection, whether you are a serious rugby player or a beginner, if you have dependants who rely on you financially it makes good financial sense to have some form of cover.

However, you may be surprised to learn that different insurers with view your rugby playing exploits (and other personal factors) differently.

Due to different underwriting processes, what one insurer deems a high risk applicant, the other may classify as a standard applicant.

As a result, in order to get the right policy at the best price it is vital to compare multiple quotes.

You can do this online via a comparison website, use an FCA regulated broker or source quotes yourself either over the phone or online.

This article was brought to you by The Rugby Paper, the UK’s best-selling rugby publication, on-sale every Sunday.To subscribe to The Rugby Paper CLICK HERE


Life insurance

World news – GB – Does playing rugby impact your ability to secure affordable life insurance?

En s’appuyant sur ses expertises dans les domaines du digital, des technologies et des process , CSS Engineering vous accompagne dans vos chantiers de transformation les plus ambitieux et vous aide à faire émerger de nouvelles idées, de nouvelles offres, de nouveaux modes de collaboration, de nouvelles manières de produire et de vendre.

CSS Engineering s’implique dans les projets de chaque client comme si c’était les siens. Nous croyons qu’une société de conseil devrait être plus que d’un conseiller. Nous nous mettons à la place de nos clients, pour aligner nos incitations à leurs objectifs, et collaborer pour débloquer le plein potentiel de leur entreprise. Cela établit des relations profondes et agréables.

Nos services:

  1. Création des sites web professionnels
  2. Hébergement web haute performance et illimité
  3. Vente et installation des caméras de vidéo surveillance
  4. Vente et installation des système de sécurité et d’alarme
  5. E-Marketing

Toutes nos réalisations ici


Please enter your comment!
Please enter your name here