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Professional Football Player Life Insurance

You may have found it difficult to secure life insurance as a professional football player, but rest assured, The Insurance Surgery has over 25 years of experience finding suitable policies for clients just like you.

What Is Professional football player Life Insurance?

The most common football-associated injuries affect the lower body, including areas such as the hips, groin, thighs, hamstrings, knees, ankles, feet, calves and shins. It is very common for professional footballers to become injured through tackling manoeuvrers, twisting their body awkwardly, turning, shooting or running. Running or being knocked into by other players also carries an injury risk when tackling. Professional footballers often suffer repeat injuries, meaning that it takes much longer for them to recover. Training sessions also carry injury risks before a competitive match.

Common football injuries include:

Sprains of the ankle: This often happens from running on an uneven surface, or changing direction very quickly on uneven ground. Such movement can put extra stress on ligaments.

Hamstring strains: The hamstrings are strong muscles positioned at the back of the thigh, and are essential for running at speed. Being a professional footballer involves running very quickly, and then stopping and changing direction. This immediate change of pace can place pressure on the hamstring muscles, causing injury. Many professional footballers often use massage and foam rollers to relieve any tension in the muscles.

Groin injuries: Kicking, twisting your body awkwardly, running and jumping can place extra pressure on your inner thigh muscles and your groin area. This is especially the case if the inner thigh muscles have not been stretched properly via side lunges.

Anterior Cruciate Ligament injuries: This is a ligament in the knee that can become injured if it stays still while the rest of the body moves or twists. This type of injury is most common during tackling moves. If the Anterior Cruciate Ligament becomes torn, it may require surgery. If it is sprained, rehabilitation will be required through physiotherapy.

Other possible injuries a professional footballer might endure are calf strain, concussions and head trauma, quadriceps strains and calf strains.

To prevent football injuries, professional footballers should always take the following steps:

How Professional football player life insurance, critical illness cover and income protection works:

STEP 1
Complete form
STEP 2
Speak to us about your needs
STEP 3
We’ll search the market
STEP 4
We recommend the best product to suit your needs
STEP 5
Tell us when you want it to start!
Many insurers will assess the following main conditions for underwriting an application for professional football player life insurance:

Where you play football

How experienced you are at playing football

Your age

Your current health and fitness level

Safety precautions at your club

Any underlying health conditions

Any medications you are currently taking

Any injuries sustained through playing football

Family medical history

At The Insurance Surgery, we are life insurance specialists that aim to put you in touch with the best insurer for your circumstances. If you are a professional football player and need cover, simply enter your details into one of our online forms for your free no-obligation quote for life insurance.

Professional football player critical illness cover

As a professional footballer, critical illness cover could be available to you through some insurers. This will however depend on your general health, whether you have any underlying health complications and if you have sustained any injuries that had severe health complications. An insurer may seek some form of medical confirmation from your GP, or access to your medical records.

Professional football player income protection

Income protection for professional football players is often difficult to obtain, especially through high street providers. There is a great risk that a critical injury could be career-threatening, and many footballers have this element of risk. If you would like to have income protection, you will need to speak to a specialist insurer about your circumstances to see if this is a valid option. Contact us at The Insurance Surgery today where we can help.

The Insurance Surgery is a specialist life insurance source for professional footballers. We have helped many people find the right cover for their personal circumstances, and can put you in touch with specialist insurers to find the protection plans you need.

Professional football player life insurance

If you are a professional football player, you should have life insurance to protect yourself. Muscular strains and stresses, fractures and sprains are common injuries in professional football players, and can render them unable to play while they recover.

Underwriting for professional football players seeking life insurance cover will depend on the following factors. Insurers may request more details on the following:

How long you have been playing football

The professional level you are playing at

Your physical health and fitness level

Details of medications you are taking

Details of injuries you have sustained

Whether you have sustained injuries that have made you unable to play for long periods of time

Applications for professional football player life insurance will generally be accepted on standard terms by many insurers, but if you have an underlying health condition and a history of football-related injury that stopped you from playing, an insurer may want to discuss your application with you in more detail to determine the element of risk. For instance, an insurer may request a report from a GP, further details of medications you are taking, and any football-related injuries you sustained. At The Insurance Surgery, we have helped many professional footballers find the right life insurance cover for their requirements.

There are a number of additional factors that could affect your professional football player life insurance premiums. These are:

Age

If you smoke

Your general health and lifestyle

Family medical history

If you’re the primary breadwinner or share financial responsibilities, a life insurance policy can help your family maintain their standard of living in the unfortunate event that you’re no longer around to support them.

Life Cover Terminology

Understanding life insurance terminology is essential for policyholders to make informed decisions about their cover, we have broken down the meaning for some of the most used terms.

Useful Links​

At The Insurance Surgery, we are specialist life insurance providers for those who have congenital heart defects like coarctation of the aorta. We can help compare the market to find you the right insurance providers that can meet your needs while understanding the nature of your condition.

Why Choose The Insurance Surgery?

Rated ‘Excellent’ on Trustpilot.

We take pride in the experience that we offer, guaranteeing excellent service at all times.

25 years Experience.

With 25 years of specialist life and protection experience, we can find the perfect policy for you.

Access to a range of insurers.

With a broad selection of partners, we are well-equipped to find the best insurance deals for you.

Award-winning broker.

Known for making insurance simple, The Insurance Surgery is a trusted, award-winning broker.

Benefit from Our Life Insurance Policies Today.

Relax, knowing that your family can receive the financial support that they need after you pass, and trust The Insurance Surgery to guide you through the life insurance process. With 25 years behind us, we are a trusted broker known for our expertise, prioritising transparency, and providing excellent customer service. So, rely on us to ensure you receive the cover you need at a fair and affordable price.

For a life insurance quote, contact us today on 0800 083 2829 to schedule a free consultation and take the first step towards protecting yourself and your loved ones financially.

Understanding how IHT works and the ways to mitigate its impact can help you plan and ensure that your loved ones don’t face unexpected tax bills.  

How Much Does Life Insurance for HIV Cost?

Since the introduction of Highly Active Antiretroviral Therapy (HAART), premiums for those living with HIV have significantly reduced over the last 15 years. The amount you pay each month in policy premiums depends on your specific circumstances. When assessing your application, insurers will take into account factors such as your CD4 count and viral load.

Our experts will help you find the best deal to suit your needs and budget, taking the time to go through the different policies and discuss any concerns you may have.

Life Insurance with HIV Case Study 1

James is 31 years old and was diagnosed with HIV in 2017. He wanted to obtain both life insurance and critical illness cover to support his wife and child should anything happen.

We found James Life Insurance & Critical Illness Cover below:

Total Cover
Amount:

£40,000

Monthly Premium
Cost:

£22.41

Duration of
Policy:

30 years

Life Insurance with HIV Case Study 2

Jean is aged 45 and was diagnosed with HIV in 2011. She is keen to secure level life insurance for her and her partner.

We found Jean the Level Life Insurance below:

Total Cover
Amount:

£160,000

Monthly Premium
Cost:

£15.23

Duration of
Policy:

20 years

How much cover do you need?

You can use our Cover Calculator below to determine how much cover you need. Additionally, you will need to take into consideration the following:

Any outstanding debts

Mortgage/rent

Number of dependants

Take-home pay or income from other sources

Speak to our team of experts for FREE
specialist advice today.

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Facts About Life Insurance.

Life insurance can serve multiple purposes, including income replacement, wealth transfer, estate planning, and business succession. But how does life insurance shape up with the UK population?

7.5 million families

in the UK have no life insurance or critical illness cover.

£40,000

The average life insurance policy in the UK covers only about £40,000.

28%

of UK adults believe life insurance is too expensive.

96.9%

of all protection case claims were paid in 2024

Life insurance is unique – just like you.

Life Insurance for Parents

Life Insurance for Dads

Life Insurance for Sports & Hobbies​

Life Insurance for Self-Employed

Income Protection

Life Insurance for Smokers

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We are committed to offering unbeatable prices. Our
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cover for your circumstances.

Frequently Asked Questions

Can a person with HIV get life insurance?

Yes, absolutely. Due to the recent changes in life insurance underwriting for HIV, we have seen a number of previous restrictions lifted. We now have access to standard rates and ‘whole of life‘ cover with no term restrictions if you are living with HIV, your viral load is undetectable, and your CD4 count is high.

Similar to other pre-existing medical conditions, if you are HIV positive, you will likely pay higher premiums than someone who isn’t. The exact amount depends on your personal circumstances, which will be assessed when you put forward your application.

If you’ve recently been diagnosed with HIV but already have life insurance, it is well worth reviewing your existing cover, especially if it was obtained several years ago, as it is very likely that some changes could benefit you. 

The Insurance Surgery also offers a free Annual Review service to all our existing / new clients. This means that we constantly make sure that you have the right cover for your ever-changing life and check for any changes in underwriting.

Yes, we do! Use our partner’s Travel Insurance comparison tool to compare over 20 travel insurance quotes, all with your HIV covered, within just a few minutes and only having to input your information once.

Offering free advice, our experts are ready and waiting to offer protection advice on HIV life insurance policies that would best benefit your circumstances. With 25 years of experience, we’re a trusted broker and pride ourselves on making insurance simple.

We understand that finding life insurance can be tricky, especially when you have a pre-existing condition, so why not leave it to us? Give us a call today, and we’ll help you find the ideal policy that suits your needs and matches your budget.

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