There are specialist Mountain life insurance companies such as Sports Financial who are experts in working with people who take part in mountain sports that are classed as high risk because of the type of activity. You should know that any of the Mountain sports life insurance companies would want to know about the sport that you do and the activity that you take part in to assess the levels of risk connected to what you do.
Which are the better Mountain sports life insurance companies?
It is difficult to say which of the mainstream or even the specialist providers are the better Mountain sports life insurance companies because underwiring criteria will vary and will change regularly.
Some of the main criteria for any of the top Mountain sports life insurance companies will include:
- Heights
- Frequency
- Level of activity (severity)
- Competitive sports
- Type of mountain sports
There are also a number of other key underwriting criteria for Mountain sports life insurance companies which will include standard factors such as:
- Type of life insurance policy
- Amount of cover required (£’s)
- Term of plan
How much do Mountain sports life insurance companies charge?
You should be aware that your premiums for any non-standard life insurance terms will depend on a number of standard factors but also some more specific criteria for Mountain sports life insurance companies.
Your cover options will also depend on which type of policies you are looking for as well as the usual lifestyle factors which can include:
- Smoker status
- Height and weight (BMI)
- Alcohol intake
- Occupation
- Medical history
All of the top Mountain sports life insurance companies will be the same as the usual leading life insurance brands with an additional requirement for information regarding your sporting activities.
What cover can I get from Mountain sports life insurance companies?
Often you should be able to get the same types of insurance products as other general life insurance companies which includes:
- Life insurance
- Critical illness cover
- Income protection
If you are looking for quotes for other types of cover from a Mountain sports life insurance company then you may find that there are additional requirements, possible policy exclusions or potential increases to premiums which will purely depend on which activity you do and to what level.
If you need more help or advice to find the best Mountain sports life insurance companies for your circumstances to protect your family then you can contact one of our team of expert advisers on 0345 565 0935.