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Extreme Sports Life Insurance

You may have found it difficult to secure life insurance with Extreme Sports Life Insurance. But rest assured, The Insurance Surgery has over 25 years of experience finding suitable policies for our clients.

What Is Extreme Sports Life Insurance?

People who take part in Extreme Sports looking for Life Insurance may have already experienced problems finding cover. If you take part in Extreme Sports and want to provide Life Insurance, Critical Illness Cover or Income Protection for your loved ones then our team of experts are here to help. The Insurance Surgery has been helping Extreme Sports enthusiasts to obtain affordable Life Insurance since 1999 and have helped thousands to get the right cover. The term ‘Extreme Sports’ is a modern term and can cover anything from Diving to Base Jumping so the risks can be incredibly high. Life Insurance for Extreme Sports will depend on the type of activities that you are involved in and how severe / dangerous those activities are.

Life Insurance for extreme sports will depend on the type of activity / sport you take part in and how extreme your activity is. An example of someone taking part in extreme sports for life insurance would be a mountaineer who climbs in the winter at high altitude. If you are someone who regards themselves as an extreme sportsperson and you are looking for life insurance the you will need to disclose all of the relevant details required to underwrite your cover.

Some insurers may offer life insurance for extreme sports at standard rates if the risks are relatively low and they are more flexible when underwriting extreme sports risks. Some insurance providers are more flexible and lenient when assessing risks of life insurance for extreme sports so it is important that we apply to the right provider for you.

High blood pressure (hypertension)

Increased stroke risk

Risk of aortic rupture

Nosebleeds

Angina

Cramping sensations in the legs

Sensitivity to hot and cold

Weak muscles

Those with severe coarctation of the aorta usually require surgery, although this will depend on their age and overall health. The required procedure is one that widens the aorta, known as an angioplasty procedure.

How Extreme Sports Life Insurance 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!

Usually there will be some information required by underwriters to assess your application for Extreme Sports Life Insurance, such as:

Type of activity you are involved with / take part in

Level of danger or severity involved

Competition levels (if applicable)

Club membership or professional qualifications

Amount of time spent on activity

The Insurance Surgery is an expert for Extreme Sports Life Insurance and we aim to find you the best cover for the lowest premiums. Our team of specialists will gather all of the information about your Extreme Sport to be able to provide you with the Life Cover you need to protect your family or business.

Extreme Sports Critical Illness Cover

People taking part in extreme sports looking for critical illness cover should find that cover is generally available and often at standard rates with no additional loading to premiums. Your cover will depend on the type of activities that you are involved with and the severity levels or levels of danger involved. Some insurance providers are especially good for extreme sports critical illness cover and this does change regularly which is why it is important to speak to an expert.

Extreme sports critical illness cover may also be offered with exclusions for certain activities relating to the sport that you take part in. Critical illness cover terms will depend on the underwriting criteria for the chosen provider along with the details disclosed on your application.

Extreme Sports Income Protection

As with critical illness cover for extreme sports, income protection for extreme sports is also generally available and often at standard rates. Income protection terms will also depend on the type of activities that you are involved with and the levels of severity or danger involved. Our team of extreme sports income protection experts understand how the underwriting process works for a wide range of insurance providers, so can direct you to the most suitable company.

In some cases for extreme sports income protection, there may be some special terms offered due to the type of activity or the levels of danger involved. Our specialist will be able to identify which insurance provider would impose the least exclusions based on the extreme sports activity you take part in.

About Extreme Sports

Extreme sports include some of the fastest growing and most popular types of sports, therefore covers an incredible range of people. It can be very easy to be regarded as someone who takes part in an extreme sport, however that does not necessarily mean that you would be regarded as an extreme sports person for life insurance.

Recreational sports are not classed as extreme sports by life insurance providers (e.g. skiing, snowboarding, mountain biking etc.) but it may be that the level an individual takes part in these sports makes them an extreme sports person.

Example:

Recreational skiing: Winter holiday (2 weeks each year) with no off-piste activity

Extreme skiing: Skiing off-piste regularly, taking part in competitions / events and including mountaineering

As you can see from the example above, there is a big difference between someone who is a recreational sports person and an extreme sports for life insurance. Most people who are skiers would disclose recreational skiing however this does not have any impact on life insurance premiums.

What Is Classed As An Extreme Sport For Life Insurance?

Most sports can be classed as extreme depending on the level of risk / danger that you take part up to, however some sports are naturally extreme such as:

Base Jumping

Parachuting / Sky Diving

Mountaineering / Winter mountaineering

Rock Climbing

Some Motor Sports

There are many more examples of modern day extreme sports which can be seen as high risk by life insurance underwriters. A common sense approach will usually be adopted when assessing the risk and in the questions asked about the extreme sport.

Do You Need Life Insurance?

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 Inheritance Tax (IHT) and Life Insurance

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.

For a clearer idea of the average cost of life insurance, visit our Guide.

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.

Monday to Thursday:

9:00am – 8:00pm

Friday:

9:00am – 3:00pm

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

Price Promise.

Obtain a cheaper quote elsewhere, we’ll beat<br>the price and also give you a £50 gift card!*

We are committed to offering unbeatable prices. Our
Price Promise ensures that we will find you the right
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.

Does a HIV test affect life insurance?

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.

Does life insurance cover HIV?

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.

Do you offer advice on travel insurance with HIV?

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.

How Can The Insurance Surgery Help?

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.

For More Information, Check Out Our Latest Blogs

Stay informed with the latest updates in the insurance industry for 2025 here.

We aim to provide clear advice, breaking down the jargon, so you understand the importance of protection insurance.

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Extreme Sports Life Insurance

What Is Extreme Sports Life Insurance?

Risk of aortic rupture

Nosebleeds

Cramping sensations in the legs

Sensitivity to hot and cold

Weak muscles

How Extreme Sports Life Insurance works:

Type of activity you are involved with / take part in

Level of danger or severity involved

Competition levels (if applicable)

Club membership or professional qualifications

Amount of time spent on activity

Extreme Sports Critical Illness Cover

Extreme Sports Income Protection

About Extreme Sports

What Is Classed As An Extreme Sport For Life Insurance?

Life Cover Terminology

Useful Links​

Why Choose The Insurance Surgery?

Rated ‘Excellent’ on Trustpilot.

25 years Experience.

Access to a range of insurers.

Award-winning broker.

Benefit from Our Life Insurance Policies Today.

How Much Does Life Insurance for HIV Cost?

For a clearer idea of the average cost of life insurance, visit our Guide.

Life Insurance with HIV Case Study 1

Total Cover Amount:

£40,000

Monthly Premium Cost:

£22.41

Duration of Policy:

30 years

Life Insurance with HIV Case Study 2

Total Cover Amount:

£160,000

Monthly Premium Cost:

£15.23

Duration of Policy:

20 years

How much cover do you need?

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.

Monday to Thursday:

Friday:

Facts About Life Insurance.

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

Price Promise.

Obtain a cheaper quote elsewhere, we’ll beat<br>the price and also give you a £50 gift card!*

Frequently Asked Questions

For More Information, Check Out Our Latest Blogs

Monday to Thursday:

Friday:

Useful Links

Total Cover
Amount:

Monthly Premium
Cost:

Duration of
Policy:

Total Cover
Amount:

Monthly Premium
Cost:

Duration of
Policy:

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

Life Insurance for Sports & Hobbies