Carrier vs. Carrier Comparisons
What You Should Know
- Many life insurance companies offer coverage to professional fighters
- Your life insurance rates will likely be higher-than-average if you are a professional fighter
- Other factors, such as your age, gender, and whether you smoke, could impact your life insurance rates as well
If you are a professional fighter, you are probably used to hearing people tell you how dangerous your job is. But when it comes to life insurance coverage, the nature of your job could have a lot to do with your overall policy.
As a pro fighter, you may be looking for a life insurance company. If that's the case, you can rest assured that there are many life insurance companies that insure pro fighters in the United States.
But you may not get the affordable rates that others are eligible for, which is due to the nature of your profession. You could always consult a life insurance guide to help you better understand the process of finding life insurance.
Because pro fighters take a lot of risks—both in training and when they're fighting—life insurance companies are likely to offer them higher-than-average rates to offset the potential impact of the risk.
When you search online for affordable life insurance for pro fighters, you'll see that plenty of well-known insurance companies offer coverage.
But as you compare life insurance rates for pro fighters to rates for people of other, safer professions, you're likely to find a difference rather quickly.
Until you search online to find life insurance companies for pro fighters, you won't really know how much you should expect to spend on life insurance. And there's still a chance that as a pro fighter, you could receive standard rates for your life insurance coverage.
To get started, you can use our free quote tool above to find and compare life insurance quotes for pro fighters today.
Which life insurance companies offer coverage to pro fighters?
Because your title as a pro fighter can span a wide spectrum of potential jobs, life insurance companies will want you to clarify exactly what sport you engage in with your professional platform.
As a professional fighter, you could be a boxer, an MMA athlete, a martial artist, a kickboxer, and more.
When you speak to a life insurance representative, that individual will get to know the nature of your job a bit better before determining whether you're eligible for coverage.
While there's no telling which life insurance will offer you coverage as a pro fighter, some of the most popular life insurance companies in the United States currently include:
- Guardian
- MassMutual
- Mutual of Omaha
- Northwestern Mutual
- Nationwide
- Prudential
- State Farm
- New York Life
- Haven Life
- AARP
- USAA
- Pacific Life
Depending on your unique professional career, there's a chance all of the companies listed above would be inclined to offer you a policy. But you will never know until you shop around for coverage.
You may find that you are more interested in finding a local insurance company to do business with. If that's the case, you can search online based on your ZIP code to find local companies near you that might have the type of coverage you want.
Can pro fighters get life insurance?
Professional fighters can purchase a life insurance policy. While the nature of being a professional fighter might mean your life insurance rates are high, your job is not likely to disqualify you altogether from coverage with any life insurance company.
You should also keep in mind that your career is just one of the many factors a life insurance company will ask about when determining your rates and whether to extend an offer of coverage.
Typical factors most life insurance companies want to know about include:
- Your age
- Your gender
- Your health history
- Your family health history
- Your smoking habits
- Your hobbies
- The type of policy you want
Your career as a professional fighter might negatively impact your life insurance rates. Still, if you are young, healthy, and you don't want a huge death benefit with your policy, you should still be able to find a reasonable price when it comes to life insurance.
Below you will find a list of the monthly rates associated with a term life policy by state. This may help you get a better idea of how much life insurance costs.
These rates are for a $250,000, 30-year policy for a 30-year old male.
| State | Monthly Rates |
|---|---|
| Alabama | $50 |
| Alaska | $55 |
| Arizona | $51 |
| Arkansas | $59 |
| California | $56 |
| Colorado | $54 |
| Connecticut | $60 |
| Delaware | $55 |
| Florida | $52 |
| Georgia | $53 |
| Hawaii | $57 |
| Idaho | $50 |
| Illinois | $53 |
| Indiana | $49 |
| Iowa | $50 |
| Kansas | $50 |
| Kentucky | $50 |
| Louisiana | $50 |
| Maine | $53 |
| Maryland | $59 |
| Massachusetts | $60 |
| Michigan | $51 |
| Minnesota | $53 |
| Mississippi | $48 |
| Missouri | $49 |
| Montana | $50 |
| Nebraska | $50 |
| Nevada | $51 |
| New Hampshire | $59 |
| New Jersey | $61 |
| New Mexico | $49 |
| New York | $56 |
| North Carolina | $51 |
| North Dakota | $50 |
| Ohio | $50 |
| Oklahoma | $50 |
| Oregon | $52 |
| Pennsylvania | $55 |
| Rhode Island | $55 |
| South Carolina | $51 |
| South Dakota | $49 |
| Tennessee | $51 |
| Texas | $53 |
| Utah | $53 |
| Vermont | $55 |
| Virginia | $57 |
| Washington | $55 |
| West Virginia | $49 |
| Wisconsin | $51 |
| Wyoming | $50 |
Depending on the factors listed above and where you live, this table should give you a good idea of what people in your area are generally paying for life insurance policies.
As you search online to find a policy that works for you, you may find that your rates are higher than those listed above because of your career as a pro fighter.
Should I buy life insurance as a pro fighter?
You are the only one who can decide whether life insurance is a good choice for you. If you have a family, own a home, have any dependents, or have accrued much debt, life insurance may be a great idea.
But you need to shop around for life insurance coverage before making any final decisions.
As you shop online and compare what companies are offering you, be sure to use our free quote tool below to buy life insurance for pro fighters.