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Best life insurance rates for motorcycle riders

Researcher & Writer
October 26, 2013

Motorcycles, Life insurance and a happy spouse. What could these three things have in common?  A lot if you’re married and thinking about buying a motorcycle!

By truly listening to our clients, we learn all sorts of reasons why people decide to buy life insurance.  It may be to:

  • Make sure your loved ones are protected.
  • Pay off a mortgage.
  • Insure a loan.

But one of our favorites is:

“My wife won’t let me get a motorcycle unless I have life insurance!”

So let’s look at this popular reason for buying life insurance!

What to know about buying life insurance if you ride a motorcycle

#1. Riding a motorcycle won’t affect your life insurance rate

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That's right. Riding a motorcycle does not make your premium higher. Life insurance companies don't ask if you ride a motorcycle. It is not considered a pre-existing condition.

However, being diagnosed with high blood pressure, high cholesterol, or elevated blood sugar will.  So if you haven’t had a physical in the past 12 months, and you’re not currently taking any prescription medications, don’t run the risk of having an insurance company diagnose you with one of the common ailments that plague many in their late 30’s or 40’s. Instead, go the no medical exam route.

TermLife2Go specializes in placing both medical and no medical term life insurance policies and have found that many of the non medical options are currently as competitive if not more competitive than those requiring full medical exams. Click here for more on the difference between medical and non medical exam policies.

#2. Life insurance doesn’t have to take weeks to get

Healthy applicants can qualify for no medical exam life insurance policy which will be available to those seeking either a term life insurance policy or a whole life insurance policy.  Applicants who already have life insurance coverage but would just like to supplement their existing coverage with an accidental death policy can also be insured immediately.  However we only recommend this option for those who feel that they are already adequately insured with a "true" life insurance policy.

A five minute interview should be enough to determine which option would work best for you and your family.

We also work with many fully underwritten life insurance carriers who have streamlined the process. A healthy candidate can have life insurance in place in as little as a few days.

Therefore, if you need motorcycle life insurance fast, give us a call today.

#3. You can keep your existing policy in place!

Let’s assume that you are already insured, and this additional coverage is just to make your spouse feel more secure… No problem!

You can:

  • Keep your existing policy in place.
  • Purchase an additional policy for less coverage for a 10 or 15 year term which should be really affordable.
  • And then, you will be able to ask her what color bike would look the coolest.

The bottom line is life insurance companies do not penalize clients who ride a motorcycle. However, riding a motorcycle can give your spouse the fits. Therefore, put their mind at ease and get some life insurance today. We work with dozens of the top rated life insurance companies and can find you the best whole and term life insurance rates for motorcycle riders.

So, what are you waiting for?  Give us a call today or visit our Term Life Insurance Quotes page and see what we can do for you!

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We are a team of life insurance experts with the simple mission of helping you find the best coverage for your unique situation. We research, review, and rank life insurance companies to make that process easier.