Archive for October 2013

As a rugby player, is it important to get life insurance?

With every line breaking run, scrum and big tackle, rugby players put their health in the hands of both the opposition and the referee. There is a deep-set belief that we will not only look to beat each other on the scoreboard and physically, but also look after each other to avoid injuries.

Scrums collapse and suddenly sixteen heavily aggressive players back off. Slowly releasing the pressure from the front row’s necks and helping them to stand up. The switch from controlled aggression to kindness towards our fellow players is instinctive and insurance

There’s the unwritten set of rules in rugby, which mean we all carry a responsibility to each other. Thirty players walk onto the pitch and we all want to see thirty players walking off the pitch.

There is no better feeling than turning up for work on Monday morning with the war wounds inflicted over the weekend. Perversely there can be no worse feeling than having to miss work because you are lying in a hospital bed, injured from an accident during the game.

Players are covered by the club’s medical insurance and that will deal with some rehabilitation costs and some physiotherapy. However, what happens when it’s a long term issue or even worse. Should rugby players have life insurance to cover for these unexpected circumstance.

The implicit trust in fellow players is the best start to planning for walking through the office doors on Monday. When best laid plans do fall apart, the back-up plan needs to be secure and all encompassing. Ensuring that you have life insurance will provide cover for all eventualities. Financial protection for the family, covering legal costs, medical costs and if needed funeral expenses.

Whilst we might not like to think through the worst case scenario when we walk onto the rugby pitch, there is a responsibility we have to our loved ones, to ensure that whatever the match result, they will be looked after.