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 best life insurance companies in the United States. There are various niches filled by different carriers and the only way to find the best rate is to apply with the right company. Give us a call today for a free consultation.
Life insurance for dangerous hobbies
The darkness feels like it is pressing in. The texture of the ground is hard to make out and I briefly stumble. A glance into the surrounding trees shows eyes staring back at me. For a brief moment my mind wanders and I imagine all sorts of terrors hiding for me out there, in the dark. I increase my pace, spurred on by a sudden jolt of adrenaline. I have to pull it back or else I am going to burn myself out, still a long way to go…
And so it goes for an ultra marathon runner who is forced to run whenever the opportunity presents itself. If that means running at 10 o’clock at night, then so be it. Perhaps you can relate. The thing is, for those of us that seek out adventure, life can be dangerous.
On these late night or early morning runs, where my only source of light is a head lamp and possibly the moon, I start thinking about my own mortality. And whenever I contemplate my mortality I begin to think about my family. I start to wonder what would happen to them if I did not make it back home. And as trite as it might sound, in those moment I have a sense of calm and peace knowing that I have life insurance in place that will take care of them if I die.
Ever been in a situation that forced you to consider your own mortality?
Perhaps you have felt the same thing. 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.
I listen to various running podcasts. Many of the guests that speak about their running adventures share stories of close calls with various animals on the trails. Probably the most common, and most frightening, is the bear. Personally, I have never had the unfortunate experience of running at night and bumping into a black bear or grizzly. However, I can only imagine the fear that would well up inside me if I did. I would put it on the same level as a surfer who sees a great white fin pop up in the area. No doubt, chills would pulsate through my body.
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.
Nine Dangerous Hobbies 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:
- Trekking (glorified hiking, such as on the John Muir Trail),
- Cycling (especially through densely populated beach cities),
- Mountain Biking,
- Skate Boarding,
- Skiing (snow and water),
- Wake Boarding, and
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.
Here is a list of 10 dangerous hobbies that may have an adverse affect on your life insurance premium (in other words, make your premium go up):
Ten Dangerous Hobbies Life Insurance Companies Hate!
- 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),
- Rock climbing and mountaineering (a rope, or no rope, and lots of space below),
- Skydiving (life insurance companies don’t like people jumping out of planes, go figure),
- Racing (car, boat, motorcycle),
- Hang gliding and Wingsuit flying(yes, hang gliding and Wingsuit flying are dangerous),
- Piloting (commercial aviation is usually fine but private pilots generally will pay much more for life insurance, although some companies make exceptions. Please call for details),
- Hot air ballooning (yes, really),
- Heli Skiing/Snowboarding (for some reason jumping out of a helicopter into a potential avalanche is considered a high risk hobby),
- Big wave surfing (sorry Laird Hamilton), and
- Scuba diving (especially 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. The same goes for professional athletes looking for life insurance for sports such as baseball, football, basketball, soccer, hockey, MMA, boxing, tennis, etc… However, with dozens of top rated life insurance companies, we can usually find the right life insurance policy for anyone regardless of whether you’re looking to purchase a traditional term life insurance policy or a whole life insurance policy.
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Free your mind from the worry
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.
Not currently engaging in a dangerous hobby?
And here is some advice for those of you who don’t presently engage in any hazardous activities: buy life insurance today. The reason is you might just find yourself drawn to a dangerous hobby down the road (mid life crisis type of thing). If you have life insurance in force before you decide to engage in dangerous activities, you are covered. On the flip side, if you lie on your application about dangerous hobbies or you plan on engaging in a hazardous hobby so you buy life insurance in advance, you might not be covered. The only fool proof way to get life insurance and make sure it stick is to buy the life insurance now, while you do not currently engage in hazardous hobbies.
An interesting side note is that motorcycle riders are not considered a high risk, as long as the rider does not engage in motorcycle racing. So for all of you who ride a motorcycle, life insurance carriers do not consider riding a motorcycle a dangerous hobby.
The Bottom Line
The bottom line is that TermLife2Go can help you find life insurance if you engage in a dangerous hobby or if the most dangerous thing you do is read about dangerous hobbies. We are here to leverage our expertise for you and find you the most dangerous hobby friendly life insurance company out there for your specific hazardous hobby or activity.
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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