How Your Hobbies Can Affect Life Insurance
When you apply for term life insurance, insurers look at many aspects of your life to determine your rates. While most people know that health and age matter, your hobbies can also play a major role. If you enjoy activities like rock climbing, scuba diving, or skydiving, you may be considered a higher risk to insurers.
Which Hobbies Are Considered High-Risk?
- Skydiving
- Scuba diving
- Rock climbing
- Motorcycle racing
- Private aviation
- Backcountry skiing or snowboarding
Engaging in these hobbies doesn’t mean you can’t get coverage—but it might affect your premium. Insurers use detailed questionnaires to understand how often you participate, your level of experience, and any safety certifications you’ve completed.
What to Expect When Applying
If you love extreme sports or adventurous travel, be prepared for some extra questions on your life insurance application. Honesty is important—insurers will want to know how often you participate, and some may even request documentation. Sometimes, a policy will include an “exclusion,” meaning the insurer won’t pay out if your death is the result of a certain high-risk activity.
For more guidance on choosing the right coverage and understanding how your lifestyle impacts your rates, visit our main site or explore our term life insurance guides.
Tips for Getting Covered
If you have a risky hobby, shop around and compare multiple insurers. Some companies are more flexible or experienced with certain activities. You might also consider working with an agent who understands high-risk cases—they can help you find the most competitive rates and coverage that fits your needs.