Why do professional athletes need income protection?
Professional athletes face a unique income protection challenge — their career is their body, and injury risk is inherent. Specialist income protection policies for athletes can provide monthly payments if serious illness (rather than sports injury) prevents you from competing or training. Speak to a specialist broker experienced with athlete applications.
How does income protection work for professional athletes?
Income protection pays a monthly benefit — typically 50–70% of your gross income — if you're unable to work due to illness or injury. Payments continue until you return to work, reach the policy end date, or die.
How much does income protection cost for professional athletes?
Professional athletes are usually Occupation Class 3 or higher for income protection, given the physical demands of the role. Specialist insurers offer tailored cover. A healthy 35-year-old professional athlete looking for £1,500/month benefit typically pays £25–£55/month depending on the deferred period and occupation class.
Own occupation vs any occupation
Always aim for "own occupation" cover — this pays out if you cannot perform your specific job. "Any occupation" cover is much harder to claim on and is generally not recommended.
Frequently Asked Questions
Occupation class is a key pricing factor for income protection. Professional athletes are usually Occupation Class 3 or higher for income protection, given the physical demands of the role. Specialist insurers offer tailored cover.
Long-term policies pay until you return to work or retire. Short-term policies (1–2 years per claim) are cheaper but provide less protection.
Yes — income protection is especially important if you're self-employed, as there is no employer sick pay to fall back on.