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Ten Dangerous Hobbies Life Insurance Companies Hate

Researcher & Writer
April 07, 2020

In the following article we will address how to get life insurance if you engage in dangerous hobbies. The key to finding the best life insurance rates for dangerous activities is to make sure you apply with the right life insurance company. There are various niches filled by different companies and the only way to find the best rate is to apply with the right company. 

Popular hobbies that life insurance companies relatively ignore

Maybe you have been tossed around like a rag doll by the force of a powerful wave while surfing. Or perhaps you simply lost control of your car on a rainy day. Whatever crazy event life throws at you, these are times when we consider our own mortality. And when contemplating our mortality it is always reassuring to know that if we suddenly died we would be able to provide for our loved ones financially via life insurance.

For those of us who are adventurous, who like to engage in activities that get the blood flowing, there are inherent risks. Most likely death will not occur but it is always an ever-present danger. If you have had a close encounter, real or imagined, you know what I am referring to. This is why finding the most affordable dangerous hobbies life insurance company is so important.

Popular hobbies that life insurance companies relatively ignore

Here is a list of 9 dangerous hobbies that don’t make the life insurance companies top ten dangerous hobbies list but still carry a certain degree of risk:

  1. Trekking (glorified hiking, such as on the John Muir Trail)
  2. Surfing
  3. Cycling (especially through densely populated beach cities)
  4. Mountain Biking
  5. Snorkeling
  6. Skate Boarding
  7. Skiing (snow and water)
  8. Wake Boarding
  9. Snowboarding

Taken to the extreme, many activities on the list above could be enough to place you in the high risk life insurance category. Speaking of which, there are certain hazardous activities that may make it tough to get life insurance or make the premium shoot through the roof.

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Ten dangerous hobbies life insurance companies hate

Here is a list of 10 dangerous hobbies that may have an adverse affect on your life insurance premium (in other words, make your costs go up):

1. Bungee jumping

For some reason strapping a bungee cord to your feet and jumping off a high cliff or bridge is viewed unfavorably by life insurance companies).

2. Rock climbing and mountaineering

Rock climbing with or without a rope and lots of space below.

3. Skydiving

Life insurance companies don’t like people jumping out of planes, go figure.

4. Racing

Cars, boats, motorcycles, basically anything with a motor.

5. Hang gliding and wingsuit flying

Yes, hang gliding and Wingsuit flying are dangerous!

6. Piloting

Commercial aviation is usually fine but private pilots generally will pay much more for life insurance (although some companies make exceptions).

7. Hot air ballooning

Yes, really!

8. Heli skiing/snowboarding

For some reason jumping out of a helicopter into a potential avalanche is considered a high risk hobby.

9. Big wave surfing

We're talking BIG waves, here.

10. Scuba diving

This is especially referring = to depths over 100 feet or into caves/sunken ships/wrecks.

The difference between the two dangerous hobbies life insurance lists has a lot to do with the level of expertise involved. For those of you who are professional or compete at a professional level and are looking for life insurance, things like surfing, skiing, snowboarding, and driving a car, bike, or boat, might make it so you cannot even qualify for life insurance. 

However, each life insurance company can view all of these hobbies differently. Meaning that with some you could pay more and with other life insurance companies you could pay less. It pays to shop around. 

Protect your loved ones

If you engage in any of these hazardous hobbies mentioned above you really need to consider buying some life insurance. The peace of mind of life insurance that comes from knowing your family is taken care of financially should you die is liberating. Hopefully that will never be the case. However, why would you want to risk it? Give us a call today to find the most affordable life insurance for those who engage in dangerous hobbies.

The bottom line

It pays to shop around for the right company if you engage in a dangerous hobby. Your best bet is to speak with a life insurance agent that can guide you towards the right company for your hobby. 

Written by
TermLife2Go
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.