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8 Dangerous Hobbies That Might Actually Void Your Life Insurance

We all need a way to detach from the stress and grind of everyday life and do what we really enjoy. However, some of us use these opportunities to walk on the wild side with more extreme and dangerous hobbies. If you are a thrill seeker, you may see extreme hobbies as just an adrenaline rush while insurance companies view these activities as high risk and could void your policy

Isabella Melo

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Having hobbies give us an opportunity to detach from everyday stress, unwind, and do what we really enjoy. However, some of us take these opportunities to take a walk on the wild side with more extreme and dangerous hobbies. If you are a thrill seeker, you may see extreme hobbies as just an adrenaline rush while insurance companies view these activities as high risk.

Since you are constantly putting your body in harm’s way, you need to be prepared to get high life insurance quotes from any insurance company you visit. Additionally, some other extreme sports may make you ineligible for life insurance altogether.

Here are some of the dangerous hobbies that your life insurance might not cover.

Mountain climbing

8 Dangerous Hobbies Life Insurance Companies Might Not Cover

Recreational climbing, wall climbing, and hiking do not have an impact on your life insurance. However, if you take part in extreme rock or mountain climbing, you may find it hard finding insurance cover.

The insurer concerns are increased especially when you climb alone without any kind of harness. If you participate in extreme forms of rock climbing or mountaineering, you are likely to find that you are not insurable for these activities.

Skydiving

Although recent statistics show that most people who parachute do so without many incidences, insurance companies categorize this sport as one of the most dangerous hobbies.

Skydiving risks are obvious; a parachute can malfunction, a person can lose consciousness mid-air or make a mistake in mid-air that can cost their lives.



Besides skydiving from an airplane, most insurance does not also cover people who take part in B.A.S.E jumping. For skydiving, some companies can cover you if you are extremely experienced.

Scuba diving

When you compare scuba diving and skydiving, you may think that scuba diving is much safer than jumping from an airplane. However, insurance companies consider this activity dangerous because there is a high chance of drowning as well as decompression sickness.

Your insurance may increase the price of cover or refuse to renew your policy if you choose to scuba dive on a regular basis, especially without formal training.

Aviation

Non-commercial aviation is also remarkably dangerous with many accidents occurring each year. Since private aviation is less monitored than commercial aviation, it is deemed to have higher risks.

So if you are planning to start flying your own aircraft, be prepared to pay more premiums. Besides the pilot, the insurance companies do not cover any incident that can occur if you are a passenger in the private aircraft.

Automobile racing

Insurance companies also consider car, motorcycle and other forms of motorized vehicle racing as high-risk activities. However, they are open to considering participation in organized events on designated tracks. Also, note that your insurance cover will most certainly be refused if your driving license has illegal racing charges on it.

Backcountry skiing

8 Dangerous Hobbies Life Insurance Companies Might Not Cover

Snowboarders and recreational skiers do not have any issues since the risks are minimal. However, if you take part in backcountry skiing, your insurance company will have a second look at your application.



This is because a ski hill with groomed trails is not the same as a mountain which is not designated for skiing.

Additionally, ski hills have an emergency response team that jumps into action in case of any danger. This is not in the case in remote hills in the backcountry. For this reason, it is hard to find an insurance company that is willing to cover the activities of backcountry skiers.

Extreme water sports

Besides scuba diving, there are other water sports that are not covered by insurance. If you participate in activities such as boat racing or power boating, you may not be covered by your insurance in case of an accident.

Additionally, other activities such as surfing and white water rafting increase your chances of drowning and are not covered by insurance.

Boxing

This sounds inconvenient, right? Although boxing matches are unlikely to cause any of the participants to receive fatal injuries, the boxers are susceptible to many other injuries that can reduce the quality of life.

Conclusion

Although these extreme sports can make you ineligible for life insurance, some insurance company may still cover you. However, these companies may impose an exclusion that states that you will lose the death benefits if you die while taking part in any of these high-risk past times. So be sure to check with your insurer and read through your policy thoroughly.



Isabella Melo
Master of Zen & Writer at OverSavvy
Don't we all need a little 'Zen' in our lives? Isabella thinks so. If you are ready for a better life, enjoying more things that actually make you feel happier and relaxed, or you just want to make your home your ultimate place of serenity, Isabella is here to help you.
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