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How Do You Get Life Insurance As A Mountain Climber?

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We’ll Discuss The Different Aspects That Determine Your Eligibility For Insurance As A Mountain Climber

You or a loved one is an avid mountain climber. You’re wondering if your hobby or profession may create issues when applying for life insurance coverage. Maybe you’ve experienced resistance or been declined when applying for coverage as a mountain climber.

Here we will go into detail about how to get life insurance as a mountain climber. We’ll discuss the different aspects that determine your eligibility for insurance.

We will talk about the factors that affect your eligibility. We’ll discuss what a flat extra is and how and why you may face it. We will cover client scenarios that you may have been in and how to prevent them from happening.

How should you apply for life insurance? I’ll give you some of my recommendations that give you the best odds of success in getting a policy in force. We’ll talk about the types of life insurance programs that are available.

NOTE: Would you prefer me to present this information to you in video format? Watch the video below for the complete presentation. Enjoy!

Today’s Topic Overview:

Can you get life insurance coverage as a mountain climber?

The short answer to this is “yes”. You should have options available to you as a climber, even if you’ve been declined in the past. The long answer is “it depends”.

Life insurance companies are historically super conservative. They only want to take on a risk (i.e. you, the client) that fits their profile.

A lot of insurance companies don’t have experience with a climber. They don’t know the different aspects of their hobby or profession.

Their conservative approach is that it’s not worth the risk of insuring something that they don’t understand.

Let’s talk about the different factors that could make or break your eligibility for life insurance coverage. These factors are all viewed differently at different life insurance companies. Here at we take your unique health information and shop it around.

We try to determine who’s going to give you the best value for price and coverage. We don’t want to try to stick you with any one company. That won’t necessarily issue you the best rates.

We here at Buy Life Insurance for Burial work with clients on an individual basis to custom tailor an insurance policy that’s right for you. If you would like to find out more about what you might qualify for, please get in touch by calling (888) 626-0439. You can also submit a message via our message box. We will provide a free, no obligation quote within 24 hours or less.

Case Study Examples

Young Father with a High Risk Hobby

A young client of mine recently gave me a call looking for a life insurance quote. He had recently become a father and wanted to ensure if anything happen to him that his wife and child would be cared for financially. 

This client had an interesting background. He was healthy, but participated in mountain climbing which is considered a high risk hobby. He was concerned that this activity would have an affect on his life insurance application.

The good news is that since he decided to work with Buy Life Insurance for Burial we are able to shop a number of providers to find a rate and policy that met his goals and budget. He was very happy with the quote and decided to go ahead and go with the policy we offered.

Though we can’t guarantee the same outcome for everyone who participates in high risk activities, we do our best to find quality coverage for every client who gets in touch with us.

Provide for Loved Ones

Mr Saunders got in touch with us a few months ago because he was concerned about what would happen to his loved ones if he died unexpectedly, either from his trips mountain climbing or otherwise. Mr Saunders, who was 32, had two chilren at home and wife who he wanted to ensure would be covered financially should his income be taken away. 

Mr Saunders wanted to leave behind enough money to his kids that they would have a great start in life and he also wanted to ensure that his wife could continue to make monthly payments on the house and other bills.

Buy Life Insurance for burial was able to shop among a number of providers to find a competitively priced policy that, despite Mr Saunder’s mountain climbing hobby, gave him quality coverage at an affordable rate. He was very happy with the option and was pleased that he could enjoy the benefits of full coverage from day one.

Though every application is unique, and we can’t guarantee acceptance, we do our best to find coverage that works for your particular circumstances.

The influencing factors of mountain climbing

Frequency Of Climbs

Do you climb once a week or once a month? Are you a hobbyist, climbing every once in a while? Maybe a couple of times a year? This is a factor that may have an impact. In our experience, the more frequent your climbs, the higher the likelihood you’ll experience either a decline or what’s known as a flat extra. This is an additional premium added to your plan.

Are you a professional rock climber that climbs dozens, if not hundreds, of times a year? This will affect your ability to qualify for life insurance. Part of the reason for this is that if you’re a professional, it’s more likely that this is how you earn your income.

As a professional, you are more likely to climb more often than the new or hobbyist climber. Therefore, regardless of what kind of climbing you do, it’s likely that you will experience a higher price point. You may have a flat extra added to your life insurance policy.

Overall Health

Regardless of whether you treat climbing as your hobby or a profession, your overall health will have a dramatic impact on your eligibility for life insurance coverage. Luckily, if you’re a climber, you’re in great shape physically, so this will be less of a concern for you. They will, however, ask questions about such things as your lifestyle, your driving record, and your health history issues.

Stories from the field

My father used to work in the insurance business and a couple of years back he retired. He gave me a few of his remaining clients, one of which was a Mr. Smith of southern Georgia. Mr Smith was 84 years old and had recently gotten married. My dad had warned Mr. Smith that he could no longer get coverage once he reached the age of 85, so he had requested I speak with him so that he could get additional coverage before the cut off point. 

When I went to visit Mr. Smith he explained to me that he had had a mini-stroke a number of years back and that he had to take cardiovascular medicine to ensure he didn’t continue to have health problems.

It was questionable whether or not I would be able to get him additional coverage, but I went back to my providers with his application and was able to find first day full coverage for Mr. Smith, giving him peace of mind in knowing his spouse would be taken care of when he passed away.

It was a short six months later that I got word that Mr. Smith had passed away. We went over his policy and were able to provide a payout to his wife and children, relieving much of the stress often caused by funeral expenses. 

This was a striking occurrence for me, as all death claims are. It reminded me that it is important to get first day coverage whenever possible. Had Mr. Smith gone with a different company, he may not have been able to benefit from his policy. 

The moral of the story is to always make sure you have quality, first day coverage in place because you never know when you’re time might come. Even if you are young and in good health, life is unexpected. It’s important to have peace of mind in knowing your loved ones will be taken care of should you pass away unexpectedly. 

Your type of climbing

Not everybody climbs the same exact way or follows the same kind of climbing path. Your kind of climbing will have an impact on your eligibility for life insurance coverage. Some of the riskier types of climbs tend to get more flat extras included.

Solo Climbing

This is the worst case scenario. You climb alone. You don’t have buddies with you that can help you out if you get distressed.

High Climbing

Say that you climb very large mountains such as Mount Everest, Mount Mckinley or the Himalayas. They have extreme climates that have resulted in many people’s deaths. You can understand how underwriters may look at that! Climbs that are over 23,000 feet tend to get more scrutiny and resulting declines than those that are lower.

You’re more likely to get substandard or standard preferred plus rates if you do other types of climbs such as the following:

Search & Rescue

You participate, professionally or as a volunteer, on a search and rescue team. You do climbs to rescue people that are in need. You should be eligible to get coverage, barring any other health issues or other problems.

Bouldering, Grappling, Wall Climbing & Tracking

You should be eligible for standard plus to preferred rates. Say that you do climbs that are under 10,000 feet or have lower difficulty levels. It’s more likely than not that you will have a better time getting qualified for some kind of life insurance program.

Ice Climbing

As an ice climber, you may experience a flat rate extra.

Top 5 reasons why people buy life insurance from a broker

1.Looking for the best rates
One of the biggest motivators for buying from a broker is the premium. Because brokers have access to a number of providers we can shop for the best coverage and rates.

2.More coverage per dollar
In conjunction with getting the best price, many consumers are concerned about stretching their dollar further. Brokers are able to get the best coverage per dollar price thanks to the competitive nature of shopping among a number of providers. 

3.Wants client-focused service
Brokers are client focused. We understand that each individual comes from a unique set of circumstances, whether that be a health concern or simply a fixed budget. Rather than only having one set product, we can look at a number of options to best accomplish your goals. 

Agents on the other hand only represent one company. This means they are focused on selling their product rather than custom tailoring a policy to meet their client’s goals.

4.Less bias
Though it is impossible to completely eliminitate bias when it comes to health conditions, age, and other factors, brokers have access to more options, opening up the potential for less bias. 

5.Appreciates options
We’ve already talked quite a bit about options because we recognize the value of not being stuck with only one choice. Options matter because they give you a chance to get the best possible price and coverage to meet your individual goals and budget.

What is a flat extra?

Let me take time to describe what this is and how it would actually apply in a sample scenario.

A flat extra is an additional charge to your life insurance plan.

It’s on top of the premium that you qualify for. Usually, it’s priced between $2.50 to $7.50 per $1000 in coverage.

Here’s how it applies:

Let’s say you’re paying $500 in premiums a year.

You’re charged a $5 flat rate extra for each $1000 of coverage.

You have a $100,000 plan in place.

$100,000 / $1,000 = 100.

100 * $5 = $500

You pay a $500 flat rate in extra premiums.

You would pay an additional $500 on top of your premium of $500. Your total price for $100,000 in coverage would be $1,000 premium.

You may experience this. It accommodates for some of the risk factors that life insurance companies are worried about with your uniquely high-risk type of hobby or profession.

There’s good news. Despite the potential for price increases through a flat rate, we here at will shop the most competitive carriers for you. Carriers that have the most experience with dealing with rock climbing. This will lower your chances of having a flat rate extra. We can get you the best type of policy available.

I want to be totally transparent. You may face the reality of being declined for life insurance due to the severity and risk factors associated with rock climbing.

If that’s the case, there are a couple of different ways to work around this and get some cover on the books.

Get a rider

Put an insurance rider on the plan that makes an exclusion of payout on your policy. This means that if you end up dying in a rock climbing related circumstance, your life insurance wouldn’t cover you.

But it would allow you to actually be placed for life insurance. It would also completely remove the risk of the flat extra rate. This is an accommodation a lot of rock climbers make. They understand the importance of having life insurance in place. They’re willing to compromise in order to make it happen.

If you like what you’ve read so far, get a free quote today! Simply call (888) 626-0439 to speak to a friendly broker who can give you more information on what your options are for coverage as well as premium prices. 

You can also send us a message and we will respond within 24 business hours. 

My recommendations


Work with a broker like us at Don’t approach what’s called a captive agent.

A captive agent only works with one company. They can give you minimal to no flexibility with options for life insurance coverage. As brokers, we shop the most competitive carriers. We figure out who’s going to give you the overall best price and value of coverage.

Consider the flat extra only if there’s no other option

The flat extra is a last-ditch resort. But it’s important to have some kind of life insurance in force. Don’t throw the baby out with the bathwater.

Say that the only reason you’re getting declined is because you are engaged in a high-risk sport or high-risk hobby. Get around it by including the flat extra types of life insurance available to climbers.

Life insurance options

What kind of life insurance options are available if you’re a climber? What are the reasons why you should consider purchasing these life insurance programs?

Term Life Insurance

This is the most common type of life insurance purchased. It’s temporary life insurance. It’s designed to cover for a set time before canceling.

People buy this because it’s the cheapest option available to them. Generally speaking, it’s the best way to get the most coverage without a tremendous amount of investment. It’s bought to replace income if the client dies earlier than expected. It’s bought to cover a mortgage or some sort of financial obligation.

People don’t want to burden their family. They understand the importance of life insurance but they don’t want to pay the higher prices associated with permanent types of plans.

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

Permanent Life Insurance

Permanent life insurance policies generally do not cancel because of age or health. They usually have level premiums that never go up at a later date.

The advantage of these plans is that they cover permanent problems. Most commonly permanent plans are used to pay for final expenses. We know we’re all going to die, it’s just a matter of when. It’s also used as retirement based income replacement for surviving spouses.

There’s a big downside to permanent life insurance. You’ll probably end up paying a multitude more than you would for term insurance. Nowadays we don’t see as many people buy permanent policies as they used to.

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

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 have issues getting qualified for life insurance as a climber, then simplified issue whole life products and guaranteed issue may be your last resort. They ask minimal to no health questions. They can secure you a life insurance policy if all other options fail.

I want to stress that this is a last-ditch effort when nothing else works.

You have to get some kind of life insurance coverage on the books. You want to attempt to get it with something. Many times these higher risk activities don’t have any impact on eligibility for coverage.

Keep this in mind if you have problems getting coverage. As a last-ditch effort, it most likely will work. Just understand there may be some limitations to it.


$50 a Month – Guaranteed Universal Life Insurance

$100 a Month – Guaranteed Universal Life Insurance

$150 a Month – Guaranteed Universal Life Insurance

Next steps

If you’re interested in qualifying for life insurance, visit my website. You can go to and grab a free quote. I do ask that you message me first. You can do that by clicking the contact box; the one at the top or the bottom, and send me a quick message. Or just call me. The best way to reach me is (888) 626 0439, and speak with me live.

I hope you have enjoyed reading this article and that it has given you the facts you need to make an informed decision toward getting life insurance coverage in place. It’s an important decision and one that should not be put off. Remember, any kind of coverage is better than no coverage!

If you would like to receive a free, no obligation quote, give us a call at  (888) 626-0439 or send us a message today. We would be happy to speak with you more about your life insurance options. Thanks for reading and we hope to talk to you soon.

We work with individuals across the nation to secure the best life insurance rates.

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