Even if you love the adventure from dangerous hobbies, you may still be able to get life insurance. Just figure on answering several questions first, such as how long you’ve been doing this activity, how often and have you received training, education or certifications. Be honest in your answers. Trying to make it look less risky might mean denial of a claim. It might cost more to get the insurance.
Insurance Companies define risky activities/hobbies differently, but most include:
- Rock climbing
- Racing (car, motorcycles, dirt bikes etc.)
- Sky diving
- Scuba diving
- Aviation (piloting plane, glider, helicopter etc.)
Insurance is not just based on what hobbies you like. How you participate in your hobby will affect how the insurer calculates risk for life insurance. For instance, if you have your pilot’s license and fly once in a while for business, that is a different level of risk than if you have your pilot’s license and regularly do stunt flying for air shows. Do you rock climb at your gym or are you planning a lone trip into the Himalayas?
Trying to figure out the best way to be insured? Come see us at ProInsuranceFinder.com to for connection to a licensed independent insurance agent.