Armed Forces (Army / Navy / RAF)
Life Insurance Cover

Armed Forces life insurance, critical illness cover and income protection

Our team of insurance specialists at Sports Financial also specialises in offering expert advice for dangerous occupations, such as Armed Forces life insurance, critical illness cover and income protection. Most people who have a dangerous occupation will have an additional requirement or need to get the right insurance cover in place to protect their family, home or business. The other side of the coin is the fact that where there is an additional risk there may also be additional underwriting requirements and potential restrictions on cover. Armed Forces life insurance, critical illness cover or income protection will often require further underwriting dependant on your position in the forces and whether you are in active duty for example.

Sports Financial aims to find people with non-standard risks such as Armed Forces, the right life insurance, critical illness cover or income protection at the right price. It is often the case that our team of advisers has managed to get the cover that our clients need as well as help to save them money on their insurance.

Armed Forces:

  • Army
  • Navy
  • Royal Airforce
  • Royal Marines

Examples of jobs in the Armed Forces:

  • Soldier
  • Engineer
  • Pilot
  • Diver
  • Medic
  • Administration
  • Technician

Armed Forces life insurance

As with most high risk or hazardous occupations, Armed Forces life insurance can potentially attract increases in premiums or possible special terms depending on the role and levels of activity. Fortunately in most cases we see for Armed Forces life insurance there is often a strong possibility of being able to get cover and often at the same rates as someone with a lower risk occupation. It can be more difficult to get Armed Forces life insurance during periods of conflict or where the individual is involved in higher risk activities. Some of the main considerations for underwriting Armed Forces life insurance are:

  • What is your role in the Armed Forces
  • Which of the Armed Forces do you work in
  • Are you under orders or in active duty

Several other standard factors which will determine the premiums you would pay for Armed Forces life insurance are:

  • Amount of cover (£’s)
  • Term of cover (years)
  • Type of policy

For free advice or a quotation for Armed Forces life insurance you should complete our online enquiry form or contact our experts on 0345 565 0935.

Armed Forces critical illness cover

Most cases we have dealt with for Armed Forces personnel looking for critical illness cover, we have been able to get the cover and often at a similar price to people with standard risk occupations. In some cases where the individuals role is considered to be higher risk there could be additional underwriting requirements for Armed Forces critical illness cover which can result in an additional premium loadings, exclusions or even potential decline.

As with most hazardous or dangerous occupations, it is possible that you could be able to get the cover you need from some insurance providers where others may decline cover. Armed Forces critical illness cover is exactly the same and sometimes even more so due to the fact that some insurance providers simply do not like to accept this type of occupation. If you have previously struggled to get Armed Forces critical illness cover or have been declined cover then you should contact one of our experts.

Armed Forces income protection

We generally find that Armed Forces income protection cover is very rarely available unless your role is very low risk (e.g. Administration or Office Staff). Unfortunately most roles in the Armed Forces are considered to be too high risk for an income protection policy for the vast majority of insurance providers. There are some specialist insurance products available which can offer some cover for Armed Forces income protection so it is worth asking us about it.

Armed Forces life insurance, critical illness cover and income protection

For more information or to speak to one of our team of experts for free advice about Armed Forces life insurance, critical illness cover and income protection, simply complete our enquiry form or contact us on 0345 565 0935.

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