MMA – Why Underwriters Need To Keep Their Guards Up

October 12, 2014| Von Ann Marie Dooley | Life | English

Region: U.S.

Life insurance underwriters encounter all kinds of risks across the scope of human activity. Professional sports, especially contact sports, present some interesting challenges.  But Mixed Martial Arts (MMA), a fast growing competitive sport, is something else – and it is starting to show up on life insurance applications.

Mixed Martial Arts is not like judo or karate, taekwondo or kick boxing.  These are all governed by specific legal and illegal moves, fairly extensive rules and use of protective gear.  Mixed Martial Arts, also known as cage fighting or ultimate fighting, is a full contact sport where fighters of varied backgrounds compete against each other with few rules and no protective gear.  It also allows both striking and grappling techniques while the fighter is either standing or on the ground.
The Ultimate Fighting Championship, formed in 1993, is considered to be the gold standard in Mixed Martial Arts.  The UFC Championship rules were created by the New Jersey Athletic Control board and have been adopted by other states including Nevada where most UFC events in the U.S. are held.
Perhaps surprisingly, many people including the UFC feel MMA is safer than many other sports, including boxing and football, noting that “tapping out” is a central part of the MMA philosophy. But we think it is still too early to know the long-term consequences of MMA fight-related injuries – and how other practices in which the fighters participate will impact mortality.
The most important thing to remember, if you get an application for an MMA professional, is that this is a violent sport and, as an underwriter, you must be aware of the risks involved in it before making an underwriting evaluation.
Read my entire article to find out more on Mixed Martial Arts.


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