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How to Get Quality Life Insurance If You Participate In An Extreme Sport

How to Get Quality Life Insurance If You Participate In An Extreme Sport

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In this article I’m going to discuss the process of qualifying for quality life insurance if you happen to participate in what’s commonly known as an extreme sport.

Most likely you’re  reading this article because you participate in some kind of extreme sport and are wondering if that sport will have an impact on your ability to qualify for life insurance. You may have even tried to get life insurance previously and found that your sport actually caused your application to be declined.

If you want to know  more about alternative approaches to getting insurance, you’ve come to the right place. This article will help identify and answer some of those questions you may be asking. Specifically, we’re going to talk about how you can get approved for life insurance with your extreme sport.

NOTE: Would you prefer me to present this information to you in video format? Watch the video below for the complete presentation on How to Get Quality Life Insurance if You Participate in an Extreme Sport. Enjoy!

We will cover a range of topics that influence coverage and rates including:

Can you get life insurance with an extreme sport even if you’ve been declined before?

Life insurance for people declined for coverage (or think they are uninsurable)

The answer is absolutely yes. There is obviously a more detailed answer and that’s what we’re going to spend time talking about further. There are a lot of variables involved in qualifying for life insurance in general, but more so if you do and participate in some kind of extreme sport.

Six factors that affect your insurability

These six commonly discussed factors play a major role in your application process:

  1. Frequency
  2. Professional training and certification
  3. Group or team participation
  4. History of accidents
  5. Location risk factor
  6. What if I don’t mention my extreme sport activities?

From an underwriter’s perspective, the answers you provide to these questions will impact whether or not they decide to insure you. Make sure that whomever you decide to take your life insurance out with, whether it’s Buy Life Insurance for Burial or another agent, to disclose all information requested, because it will definitely have an impact on what happens with your level of insurance coverage.


Frequency does play a role on various levels depending on what kind of extreme sport you participate in. In some cases, frequency adds a direct component to the level of experience that you have, so in some circumstances, you may get a better price because you have the track record and experience backing up your extreme sport.

However, if you participate in some more riskier endeavors, say ice climbing or base jumping, you may not be able to get the kind of coverage that you want nor the same kind of pricing.

Professional training and certification

More often than not training and/or certification is a great way to ascertain and achieve better pricing on your life insurance. Certification or training officially recognizes (and proves) that you are more than just an amateur or a casual participant. We see a level of training or certification as a way to back your abilities and give you better access to affordable coverage.

Group or team participation

Generally speaking, the more often you work with a group or a team, the more likely your application will be favorably reviewed. When you participate in extreme sports on your own it’s more likely underwriters will worry about insuring you or may not even consider insuring you for life insurance coverage. So if you are looking for coverage, try to participate in a group or team fashion if possible. It will lower the risk factor and give you a better chance at coverage than if you were a solo participant.

History of accidents

If you’ve had a history of accidents related to your extreme sport, it’s likely the life insurance company will uncover those extreme sports accidents and count those incidences negatively against your application.

Location risk factor

It’s not just the fact that you participate in an extreme sport that is under evaluation. It’s also where you conduct the risky sport. For example, if you’re a mountain climber and you climb mountains that are higher than 25,000 feet, it’s likely that an underwriter is going to consider the geography in which you’re traversing much more riskier than a smaller 5,000 to 10,000 foot mountain climbing event.

Or if you scuba dive and you do non open water scuba diving, such as caving or ship wreck diving or search and rescue diving, you’re going to find that an underwriter’s going to look at that particular situation with greater scrutiny. Because of that, the risk associated with the area in which the extreme sport is carried out is very important to the application process.

What if I don’t mention my extreme sport activities?

While it may be tempting to try to get life insurance without disclosing the extreme sports that you participate in, the truth of the matter is that you should always disclose every aspect of your personal life in an application for life insurance, for the following reasons

  1. First, a life insurance company has the right to contest your claim if it believes you materially misrepresented yourself on the application. What this implies is that even though a policy is taken out on you, if the life insurance company finds out that you did not share all pertinent information that would have altered the outcome of the underwriting decision, you may lose coverage or pay out.So my opinion is that even though your extreme sport may cause you to have a higher price point or cause you to look at alternative sources for life insurance coverage that you may wish to avoid, you should be totally transparent no matter what.
  2. And the second reason is what goes around comes around. Sure, you may get away with being dishonest, but the truth is that covering up the truth under these circumstances can have greater consequences than telling the truth.Unfortunately your family will be the ones to unduly suffer the consequences if you try to cut corners and avoid disclosure of something that may bring your price up substantially. It’s best to be honest and yeah, you may pay more, but hey, better safe than sorry!

What is a flat extra?

I mentioned flat extras earlier. What is a flat extra? On some extreme sports, or at least the ones that you will get approvals on, you may find that you’ll be offered the coverage with a flat extra added on. A flat extra is an additional fee on top of your life insurance premium to account for the extreme sport that you participate in.

Generally flat extras are an extra $2.50 to $10 per thousand in life insurance coverage and are designed to accommodate for those extra risks such as extreme sports, while still offering insurance coverage.  Here’s an example of what a flat extra might cost:

Let’s say you’re approved for $500,000 in life insurance coverage and you pay a $1,000 premium every year.

Since you participate in an extreme sport, the life insurance underwriter adds an additional $2.00 per thousand dollars in coverage on top of that $1,000 premium. This means that you will pay an additional $1,000 in a flat extra fee on top of the $1,000 you already pay, bringing your total annual premium to $2,000 a year.

A flat extra allows many companies to remain accommodating for additional risk factors like your extreme sport while still offering comprehensive coverage so that you can continue to enjoy riskier activities.

Types of life insurance available to those who participate in extreme sports

Let’s briefly cover the four most common life insurance products available to extreme sport enthusiasts so that you can better understand your options. Ultimately, the type of life insurance product you pick should be based upon your financial goals.

Term insurance

More than 80 percent of the American population chooses a term life insurance plan. Term insurance is most commonly used to fund obligations that are temporary in nature, such as debt or income replacement. If you die earlier in life instead of later term, term insurance is the cheapest option for coverage. It provides the most coverage for the least amount of money.

Why people buy Term Life Insurance

The downside of term insurance is that you only get coverage for a set number of years, generally between 10, 20, or 30, depending on what length of time you choose. So if you outlive the coverage, you may still need coverage and find yourself without it.

Term Life Insurance Coverage – 10 Year Term – $100,000 in Coverage

Term Life Insurance Coverage – 10 year Term – $250,000 in Coverage

Term Life Insurance Coverage – 10 year Term – $500,000 in Coverage

Term Life Insurance Coverage – 10 year Term – $1,000,000 in Coverage


Whole or universal life plans

Whole or universal coverage is the opposite of term insurance, as it provides permanent life insurance coverage no matter when you die. With whole plans, the law requires the payment premium remain the same, while with universal life plans, there is flexibility in the premiums.

These types of plans are used for more permanent types of needs, such as final expense coverage, a pension income replacement coverage for older Americans and for supplemental life insurance retirement plans to provide a source of tax advantage income later in life when one retires. The downside to whole life and permanent life plans is that the premiums generally are five to 10 times as much as term life insurance plans, which is why we don’t see a lot of people buying them.

Rates For $10,000 In Burial Insurance

Rates For $25,000 In Burial Insurance


$150,000 Whole Life Insurance, Life Pay

$250,000 Whole Life Insurance, Life Pay


Simplified issue products

Simplified issue products are something I would recommend to my clients who, with the exception of their extreme sport’s risk, are otherwise in good shape and are just having difficulty finding any kind of coverage.

Simplified issue coverage generally does not ask about extreme sports whatsoever. It’s a whole life product that will protect you fully from the first day and never cancel due to age or health, if you qualify. However, the amount of coverage that you’re going to be qualified for will generally just pay for final expenses, maybe an addition amount covering a small portion of your income as a replacement.

Saving for College with Life Insurance

This type of insurance tends to be a little bit more expensive than what you would find in a term insurance plan, which is why one would only consider this option if all of their sources for life insurance options were exhausted.

Guaranteed issue coverage

This is for anybody who has health problems that also participates in an extreme sport. The application does not ask any health questions and the applicant is guaranteed coverage, but the plan doesn’t provide natural death coverage until two years after the fact.

Most likely no one who participates in extreme sports will consider this last option simply because to participate in an extreme sport you most likely have to be in good health. Therefore this is only a viable option for those who are in bad health.

$50 a Month – Guaranteed Universal Life Insurance

$100 a Month – Guaranteed Universal Life Insurance

$150 a Month – Guaranteed Universal Life Insurance


Best strategies for getting life insurance coverage for those who participate in extreme sports

I want to leave you with a few pointers that will help you maximize the best options for life insurance coverage if you participate in extreme sports. I’ve used these strategies for all sorts of people who are shopping for life insurance coverage and it allows us to get some kind of coverage on the books at a competitive premium.

Considered an exclusionary rider

One option you may want to pursue is buying a life insurance policy that excludes coverage while you participate in your extreme sport. This means that if you were to pass away because of some accident related to your extreme sport or from some death associated with the extreme sport, then the life insurance policy would not pay.

Take out two policies

This may or may not be acceptable to you, but this may be the only right way to get a policy in force that would otherwise not allow you to get coverage. For this option you would pay for two policies, one in which would give comprehensive coverage if you died during your extreme sport and one for if you died not doing your extreme sport. So for example:

Let’s say you have $500,000 on a policy that covers death from natural or accidental causes outside of your extreme sport. You also take out a $300,000 policy that covers death due to your extreme sport. However you die – whether from your extreme sport or not – the insurance policy will cover it. 

The price point for these combo plans falls somewhere between the exclusionary writer price and, of course, the full comprehensive coverage price.

Accident only plan

Owner of, David Duford, with his two 5-year old girls

My twin girls Emily and Eva thank you for reading, and hope you’ve gained truly valuable information on your search for life or burial insurance. If you’re ready to discover your options for life or burial insurance, call me at 888-626-0439 now for your free life insurance quote!

If you pay the flat extra for accident only, you can also consider buying an accident only plan that would only cover an accident. Of course, most likely accident plans will only cover if you die from an accident not related to your sport.

Some coverage is better than no coverage

Finally, remember that having something in place is better than nothing. Even if it requires paying a little more through a flat extra option, it’s better to have coverage on the books than nothing at all, especially if you are participating in an extreme sport.

Obviously you’re reading this today because you’ve identified the importance of life insurance coverage and you don’t want to be in a particular situation where you don’t have it. It’s important to act on this understanding, even if you can only get a portion of what you want. You can always come back at a later date when maybe your finances improve, you’ve paid off some debts, and you have more cash flow to buy a life insurance plan with more comprehensive coverage in addition to what you currently have.

If we can help you Buy Life Insurance for Burial, please give us a call at 1-888-660-437 or send us a message.


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