Career ending cover pays a tax-free lump sum if your professional sporting career ends permanently. This protection applies to serious injuries, accidents or illnesses, depending on the policy you choose.

Career ending insurance gives peace of mind and helps maintain long-term financial stability.

Even if you’re young and fit, one accident can end your sporting career in an instant. And that accident could be more likley than you think. It is estimated that between 14% and 32% of competitive athletes are forced to retire because of a career-ending injury. 

You may think that club insurance will have you covered, and it may. But you need to double check, as your club insurance may be limited or not guaranteed to meet your long-term financial needs. Career ending insurance fills that gap by providing financial support when you’re forced to retire.

It ensures you’re covered if your career is cut short unexpectedly.

To provide an accurate quote, we need your:

• Name
• Address
• Date of birth
• Sport
• Club
• Current contract expiry date
• Annual salary

The contract and salary details are required to determine what level of cover can be offered.

We will be able to provide you with a full and formal quotation, which will include a copy of the policy terms and conditions. This will also include details of applicable limitations and exclusions. The full documentation will allow you to make an informed decision as to whether the policy is suitable for you and whether you wish to proceed to purchase it. If you wish to go ahead with a policy, you will be required to complete a medical declaration in conjunction with your club doctor or GP.

Once you review the quote and policy documents, you can apply directly through our team.

A completed medical declaration is required, usually in conjunction with your club doctor or GP. The insurer will assess your application and confirm your career ending insurance cover.

We support you through every step of the application process.

Cover levels depend on your sport, age, contract value, and career length.

Insurers use this data to calculate your maximum career ending cover payout. Higher-earning athletes may qualify for more extensive coverage limits.

Our team will advise you based on your unique professional profile.

Premiums vary based on your:

• Sport
• Risk profile
• Age

Some sports carry higher injury risk, which may increase the cost of career ending insurance. For flexible payment options, including monthly instalments, contact us for a personalised quote tailored to your needs.

Yes, career ending cover can be tailored to suit your career stage and financial goals.

You can choose higher cover limits or add critical illness and accident benefits. Optional features may vary depending on your sport and insurer.

We’ll help you build a policy that matches your specific risks.

Many athletes assume their club policy is enough, but that’s not always true.

Career ending insurance acts as a top-up to any existing contract or union cover. It ensures you’re protected beyond the limits of standard professional athlete insurance.

This gives you added financial security if disaster strikes.

It can, but you need to make sure. Multiple concussions are often excluded from career ending cover.

In rare cases, a single serious concussion may qualify for a payout. Each claim is reviewed individually based on medical evidence and policy terms.

We’ll guide you through the concussion cover process and limitations.

Injuries from the past 36 months are automatically excluded from career ending insurance.

You’ll need to complete a medical proposal to declare any recent injuries or conditions. The insurer will confirm all exclusions before finalising the policy.

We make sure you understand exactly what’s covered and what’s not.

A medical declaration outlines your current and past health for insurance assessment. This form is reviewed by underwriters to identify potential exclusions or special terms. It must be completed with support from your GP or club doctor.

Honest and accurate disclosure is essential for valid career ending cover.

Typically, career ending insurance usually runs alongside your current sports contract. However, specific and unique cases do exist, so it is always best to lock in your insurance details with a trusted and expert insurance broker. 

Your policy can be renewed annually or updated when your contract changes. You will almost always be reminded when it’s time to review or extend your cover.

Continuous protection ensures you’re never left financially exposed.

Career ending insurance only pays out if your condition results in permanent retirement. Short-term injuries or temporary leave do not qualify for a payout. The claim is triggered only after medical confirmation of career-ending circumstances. For insurance against injuries that have forced you to take an extended leave of absence from professional sports, you will need sports team insurance. 

If you transfer clubs or relocate internationally, your career ending cover can be reviewed.

Some policies remain valid with minor updates to your profile. Our team will adjust your cover so you remain protected wherever you play.

Always inform us of major changes to keep your insurance active.