Insurance providers will typically provide Life Insurance for personal trainers at ordinary rates. If you have a high BMI due to muscle mass some insurance providers will give extra allowances due to your high fitness levels.
Many insurers will provide Critical Illness Cover for personal trainers at standard terms. Due to the nature of your occupation it is possible that you push your body to the peak of its physical endurance. Any injuries that you have had within the last 3 to 5 years will need to be detailed within your application. Provided that you are currently in good health with no recent physical injuries your policy should still be accepted at normal rates.
Income Protection Insurance for personal trainers can be available at ordinary terms with a number of insurers. When you place your application you should ensure that the policy you are applying for has an own occupation claims definition. This means that at the point of a claim you will be assessed on your ability to be a personal trainer. If you do not have this definition then any claim that you place will be judged upon your ability to work in a similar job or any other occupation, making the policies claim criteria stricter to attain.
Personal trainers Income Protection policies are available with deferments of 1 day, 1 week, 4 weeks, 8 weeks, 13 weeks, 26 weeks and 52 weeks. This is the time period that you must wait from the point of making a claim, to receiving the policy payout. You should consider factors such as your savings, budget for the policy and any sick pay benefits you receive from your employer. Our financial advisers are able to discuss these options with you and advise you on the most appropriate deferment to suit your circumstances.
* Please note that accident and sickness cover will likely exclude pre-existing health conditions.
** These services are placed with our selected partners.
Further Reading and Research
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