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How MMA Fighters Can Qualify For Life Insurance At Good Rates

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In This Article, I’m Going To Talk About The Best Advice On Getting Life Insurance For Mixed Martial Arts Fighters

You’re trying to find life insurance coverage. You or your loved one is a mixed martial arts enthusiast. You do it as a hobby, or at an amateur or professional level. This may get in the way of getting a life insurance. I do Brazilian Jujitsu on a hobby basis around three to four times a week. I understand your circumstances. I’ve experienced some of the same questions during the application process.

The act of doing any kind of mixed martial arts fighting exposes you to all sorts of physical risks. From punches to the head, to slams and takedowns, to being submitted, choked and even getting bones broken.

NOTE: Would you prefer me to present this information to you in video format? Watch the video below for the complete presentation. Enjoy!

Today’s Topic Overview:

The list goes on. The risks are inherent. All of these risk factors are included with mixed martial arts fighting. That’s well known to underwriters. Special consideration must be made before getting life insurance on someone who is involved in mixed martial arts as a fighter.

Can mixed martial arts fighters get covered?

The short answer is yes. The long answer, however, depends on a number of factors. We will discuss them below. When applying for any kind of life insurance, there are always a number of factors to consider. These are weighed by the underwriting team when determining your insurance eligibility.

To receive a free, no obligation quote and speak to an expert in the field of life insurance, give us a call at (888) 626-0439. You can also send us a request using the message box found on this page. 

The factors that matter when a MMA fighter is applying for life insurance

MMA fighters face the same circumstances, just a bit more complicated. They do a sport which some underwriting departments look at as a bit too risky. In this section, we will break down exactly what those factors that matter are when an MMA fighter is applying for life insurance.

What kind of fighting that you actually commit to and the performance of fighting

There may be a difference between different styles of fighting. You could do mixed martial arts with both striking and grappling. You may only grapple. You may wear headgear and armed guards whilst grappling. These factors will affect the level of risk tolerance an underwriting insurance department will have on your eligibility for coverage.

Frequency of matches

If you’re a competing amateur or professional fighter, underwriters will want to know how frequent your matches or fights are. The more fights that you have, the more likely it is that it will have an impact on your insurability.

Your health status

When applying for life insurance, your level of health matters tremendously in determining your insurability. Thankfully, most mixed martial arts fighters are in tip-top shape.

Their height and weight ratios are in good order. Their blood pressure and sugar levels are under control. Many of them have never had any long-standing health issues that would warrant them being considered at higher risk.

The health factor is important for any life insurance aspect. However, it’s most likely to be the least important consideration for mixed martial artists looking for life insurance coverage.

Build and muscle

In general, build isn’t an issue when applying as a mixed martial artist for life insurance. However, if you’re a heavyweight, it may have an impact on your level of insurability. My recommendation is to take some sort of examination to decide.

If you tend to be more muscular for your size, take that into account. As we know, BMI is an estimate of how healthy someone is. Sometimes an MMA fighter can carry more muscle than the average person. Taking the exams will help alleviate this difference and help explain some of that.


As a mixed martial artist, your age will have an impact on your ability to apply for life insurance. As with all life insurance applications, the higher your age, generally the higher the price. The lower your age, the lower the price.

Other factors

There are other factors. The types of life insurance that are available. What the life insurance actually doesWe’ll cover that in a later section, but age is a predominant driver as to the ultimate cost.

You’ll experience some questions about performance enhancement usage when you apply for life insurance. Make sure that you’re totally honest. If you have used anything to improve your skill or technique in the process of your career, tell them. Any performance enhancement medication treatments, any sort of performance-enhancing drugs.

Case study examples

Policy Rate Increase

An MMA fighter recently got in touch with us after he’d gotten word in the mail that his current insurance coverage was going to go up in price. He wasn’t happy with the life insurance in general and the price increase was the push he needed to see what other options were out there.

The only issue with this client was that he had high blood pressure. He was aware that taking medication for an issue such as hypertension could have an effect on his application and he was concerned that he would be stuck with his current policy because it would be the only thing he could get.

I’m happy to say we were able to shop a number of providers and find a plan that met this clients budget and goals. He was very pleased with the result and was able to get first day, full coverage.

Though I can’t promise that all applications will end with the same result, we do our best to shop a number of providers to find a policy that is right for each client.

History of Depression

We recently heard from a client who was a first time homeowner. He was concerned about getting coverage to ensure that his wife and kids would have a way to make mortgage payments if anything should happen to him while he was fighting.

This client had a history of depression and was currently taking medication for this health issue. He was aware this could have an effect on his coverage, but was surprised to find that we were able to get him great coverage at an affordable price. Best of all, he was covered from day one.

Every case is different, and not all individuals who apply will qualify, but we do our best to get coverage for every applicant at a price they can afford.

Top 7 reasons people buy life insurance for income replacement

One of the biggest motivators for buying life insurance is your family. You want to protect them and ensure they have financial stability if you pass away unexpectedly, and life insurance does a great job of meeting that goal. It is one of the few types of things we can buy that we never see the benefits of, so it definitely takes a person her loves their family and wants to protect the people they leave behind.

2.Realizes mortality
Believe it or not there are many people who don’t buy life insurance because they don’t want to think about their own mortality. Maybe they are young, in their 20’s or 30’s, and think death is a long way off for them. But the truth is, we don’t when our time will come.

Smart people realize not only sick people die, healthy people die too. That’s why life insurance is such an important thing to get in place as early as possible. It’s much easier to get approved when you are young and healthy than older and struggling with health problem.

3.Rates are affordable
One of the greatest things about working with Buy Life Insurance for Burial is that we represent the top insurance companies and are able to shop around to find the best value for your money. Regardless of your budget we can find a policy that meets your financial requirements.

4.Custom tailored
Whether you are looking for a $10,000 plan to cover final expenses or a multi-million dollar plan to cover retirement, we can custom tailor a policy that is right for you.

5.Covers debts
An income replacement plan can be used for all sorts of things, including paying off debt, making mortgage payments, and paying for the day-to-day cost of living. 

Most commonly people purchase a life insurance plan in accordance with an income replacement program to cover financial debts such as mortgages or credit card bills.  A life insurance policy can be designed to relieve this burden from your family.

6.Useful riders
There are many life insurance plans that allow you to add on additional options called riders. These enhance the policy to give you additional coverage for things like disability and illness that may prevent you from working.

7.Exam is optional
Exams are no longer a requirement for most life insurance policies. So if you would rather skip the doctors visit, you can choose to go the non-medical route.

Amateur versus professional fighting when looking for coverage

As an MMA fighter looking for life insurance, you’ll need to tell the underwriter how much experience you have in this business. Are you an amateur or are you a professional? Are you working your way up through the process of becoming a pro and fighting in the big leagues? Make sure that your life insurance company understands where you stand.

If you have found this article useful so far and would like to know what kind of insurance you might qualify for, please call us at (888) 626-0439. You’ll speak to a broker who can give you all the information you need to get started.

Alternatively you can send us a message using the box found on this page. We will respond within 24 business hours with more information.

How to apply?

The application for filing for life insurance is straightforward. You complete an application that includes all of your personal information. You answer a variety of different health questions. You tell them your height, weight, smoking usage, and any medication prescriptions.

You’ll have to consent (with your signature) to the company gaining access to your medical records. You’ll need to agree to an examination.

Non-Medical Life Insurance

I do highly recommend that all mixed martial artists looking for life insurance take an exam and here’s the reason whyYou have other kinds of life insurance available to you. It’s called ‘non-medical’ life insurance.

The pros of these types of insurance policies are that there is no examination required. No blood is withdrawn, no peeing in a cup, nothing like that. You simply submit an application and wait on a decision in the next week or two.

There’s a problem with that. The risk factors are much higher for life insurance for a mixed martial artist than they are for the population at large. There’s always some special consideration to be made. Exam related life insurance applications tend to give more opportunities for unique cases like yours to be considered and covered.

If you simply apply for a non-medical life insurance application, you may be declined. The underwriting may state that certain professions or certain activities are a flat decline. You would then lose out on an opportunity for coverage altogether.

It’s generally simpler to do the examinationIf you are healthy then you may find that your price point on coverage, if you take an exam, is good. It will be a lot better than that which you would find with other companies on a non-medical basis.

You should be used to doing physical examinations to maintain your health when competing in mixed martial arts. This shouldn’t come as a surprise or undue burden.

Flat Extra For Fighting

Mixed martial arts, boxing, or fighting of any caliber is going to require what’s called a ‘flat extra’. This is an additional cost, above and beyond however you’re rated for whichever activity it is that you do.

For mixed martial artists applying for life insurance, the flat extra is approximately $5 for every $1000 in coverage. Here’s how that would work out. You apply for a million dollars in life insurance and your premium is $1000.

$1,000,000 x $1,000 x $5 (the flat extra rate) = $5,000 in coverage. The price point on your life insurance will be $1,000 for premium plus the $5,000 flat extra. This gives you a total price of $6,000.

The point here is that there will be a surcharge. Your chosen profession has risk factors involved. Be very aware of what you’re going to face.

Stories from the field

In this particular story I want to share my first interaction with a client when I started out in the life insurance business. It turned out to be a reaffirming experience for me and a good example of what can happen when the wrong decisions are made regarding life insurance.

It was a hot Georgia summer in 2011, I think it was sometime in June. I had arrived at the home of a client in a little town called Wildwood. 

As I approach the double wide trailor, I noticed the front door was wide open. My client, Mr. Thompson, invited me inside where I couldn’t help but notice a large colelction of aquariums and a large number of wasps buzzing around. I asked Mr. Thompson why he had requested more information about life insurance to guage how I could help him and he began to tell me the sad story of his father’s death.

It had clearly made a big impact on him and enforced in his mind the importance of getting life insurance in place.

He explained that his father had gotten life insurance through Colonial Penn. He was very proud of this fact and had sat all of his children down to tell them that they wouldn’t have to worry about paying for his final expenses because he had taken care of it with this policy.

From his understanding, he was covered for accidental or natural death from day one and the coverage amount would be adaquate to pay the funeral director for final preparations and burial costs.

This news was a relief to his children, and they of course remembered what their father had said when he passed away unexpectedly a year later from a stroke. They found the policy and presented it to the funeral home, but the funeral home declined it as being inefficient to pay funeral costs. 

Stunned, my client had asked the funeral director why the coverage wasn’t accepted and the director explained that the policy was a guaranteed issue plan, which meant if death occurred within the first 2 years only the amount paid in premiums would be refunded.

To make the situation worse, my client was determined to give his father a proper funeral. Which meant he had to take out a second mortgage on his home to be able to afford it.

This experience reinforced in my mind why it is so important to not work with a company offering just one product, because often they don’t have the client’s best interest in mind. My client’s father thought he was doing a good thing for his children, but what he didn’t realizw was that his life insurance plan didn’t offer first day full coverage like we offer at Buy Life Insurance for Burial.

While my client didn’t express frustration over the experience, I have no doubt he felt resentment after his father’s passing. He’d gone into debt and wanted to be sure the same thing didn’t happen to him with his own family when he passed away.

Like my client, I’m sure none of us want to impart emotional turmoil on our children because they have to pay for our final expenses.

Yet this is something that happens commonly with people who fail to plan and review their policies carefully. It was an important lesson for me to see this mistake in action, and one I have never forgotten.

Types of life insurance available for mixed martial artists

There are several types of life insurance that you may want to consider. I will briefly cover the different types of life insurance available to fighters, boxers, and mixed martial artists. You can then understand better what your best options are in getting insurance coverage.

Term Insurance Coverage

Temporary coverage is most commonly referred to as ‘term insurance’. Term insurance is a short-term type of plan. It covers purely if the client dies within the period of time that insurance is effective.

Term insurance typically lasts for 10, 20, or 30 years. The premiums remain level throughout the entirety of the life of the plan. At the end of the plan, your premiums either skyrocket or cancel outright. Why would someone want to cancel his coverage? Why have a plan that’s temporary in nature? Wouldn’t people want to buy a life insurance plan that is always with them?

There are a couple of reasons why people prefer a term insurance plan. Term insurance is the most cost-effective way to put some kind of life insurance on the books. Term insurance is usually a tenth of the cost of permanent insurance prices. It allows us to get life insurance for a reasonable price. It’s effective and useful.

Here’s the big reason why people buy term insurance. They want to make sure that if they die earlier than expected, their financial goals are realized through the process of their death.

For example, income replacement. They’ve made sure that the family is taken care of. Mortgages, debts, funding, retirement, and business loans will be paid off. These are common reasons why somebody buys a temporary term insurance policy.

Term Life Insurance Coverage – 10 Year Term – $100,000 in Coverage

Term Life Insurance Coverage – 10 year Term – $250,000 in Coverage

Term Life Insurance Coverage – 10 year Term – $500,000 in Coverage

Term Life Insurance Coverage – 10 year Term – $1,000,000 in Coverage

This is most likely the kind of plan you’d be looking at if you decide to work with us at Buy Life Insurance For Burial.

My goofball son and I thank you for reading, and hope you’ve gained truly valuable information on your search for life or burial insurance. If you’re ready to discover your options for life or burial insurance, call me at 888-626-0439 now for your free life insurance quote!

Permanent Life Insurance Coverage

Permanent coverage is the exact opposite of term insurance. It’s designed never to have price increases. It will never cancel due to age or health, and the coverage usually begins from the first day.

This plan is primarily used for older people. They are looking for final expense coverage or senior-related coverage to replace income for the surviving spouse. Unless you have a particular interest in permanent coverage, this won’t be the one you’d be looking at because of its high price premiums. Most people end up buying a term insurance because of the dramatic difference in price.

Rates For $10,000 In Burial Insurance

Rates For $25,000 In Burial Insurance


$150,000 Whole Life Insurance, Life Pay

$250,000 Whole Life Insurance, Life Pay


Next steps

If you’re interested in qualifying for life insurance, visit my website. You can go to and grab a free quote. I do ask that you message me first. You can do that by clicking the contact box; the one at the top or the bottom, and send me a quick message. Or just call me. The best way to reach me is (888) 626 0439, and speak with me live.

Thanks for stopping by and reading this article. I hope it has impressed upon you the importance of life insurance. If you have any remaining questions or would like to see what monthly cost might be for a policy that meets your personal goals, please contact us at (888) 626-0439.

You can also send us a request for more information using our message box found on this page and a representative will contact you within 24 business hours.

A quote takes 10 minutes or less and is absolutely free. Find out what you might qualify for today. We hope to speak with you soon.


We work with individuals across the nation to secure the best life insurance rates.

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