You help other people look after their health. Your own protection deserves the same attention. This guide is for UK personal trainers, fitness instructors, sports coaches, gym staff and self-employed health and fitness professionals.
Why protection matters when your income depends on you
If you are self-employed or run your own fitness business, time away from work can affect both personal income and business commitments. Employer benefits such as sick pay or death-in-service cover are often limited or unavailable.
Life insurance, critical illness cover and income protection address different risks. A regulated adviser can help you decide which are relevant to your circumstances and budget.
Does working in fitness reduce the cost?
An active occupation does not automatically produce a cheaper premium. Insurers consider your health, medical history, smoking status, job duties, income, hobbies and the cover requested.
Selected plans can start with an upfront premium saving and include healthy-living benefits under the provider’s rules. Any feature should be considered alongside the quality and suitability of the protection.
Information you may be asked for
- Your employed or self-employed status
- Your normal duties and working hours
- Your income and existing protection
- Any higher-risk coaching or sporting activities
- Your health, medical history and lifestyle
- The people and financial commitments you want to protect
Protection options in plain English
- Life insurance: provides a lump sum if you die during the policy term.
- Critical illness cover: provides a lump sum if you meet the definition of a covered condition.
- Income protection: provides a regular benefit if illness or injury prevents you working and you meet the policy definition.
Read how income protection works, explore private sick pay for self-employed fitness professionals, or see protection for active working lives.
Start without the jargon
Tell us what you want to protect and choose a convenient time to be contacted. A regulated protection adviser can discuss the options available to you.
Start your ActiveJoe enquiry. There is no obligation to proceed.
This article provides general information and is not personal financial advice. Cover, pricing, discounts and rewards are subject to eligibility, underwriting, provider rules and policy terms. ActiveJoe is operated by Tailored Life Solutions Ltd. ActiveJoe itself does not provide financial advice; regulated advice is provided by Tailored Life Solutions Ltd advisers.