Mainstream insurance companies can, frankly, be a little unfair. One is urged to lead an active life; to participate in sport; to stay off the booze and generally keep fit. This, one is told, will promote health, happiness and a long life. Which really ought to be all to the good, as far as insurance companies are concerned.

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Athletes should have their insurance as they don't know when they will get injured. It is better to prepare for it.