Most Dangerous Sports in the World for Injuries & Deaths | Complete Guide for 
Did you ever stop to think that your favorite sport might affect the cost of your new life insurance premiums? Several dangerous sports and hobbies could impact your chances of receiving the best rates. This article will cover the most dangerous sports in America that could cause you to pay more than you expected for life insurance. Some of these sports will surprise you. Sometimes a dangerous sport can impact your application like a serious health condition.
Table of Contents
- Can Having a Dangerous Sport Affect My Rates?
- Do Many People Die While Base Jumping Each Year?
- Approximately How Many Scuba Divers Die Each Year?
- How Many People Die Skydiving Each Year?
- Is Bull Riding a Sport With Fatalities Each Year?
- How Dangerous is Motorsports Racing?
- About How Many People Are Killed Ice Climbing?
- How Hazardous is the Sport of Hang Gliding?
- Is Hot Air Ballooning Also a Dangerous Sport?
- In Conclusion
Having a dangerous sport can impact your rates quickly, if not more than a health condition can. In addition, dangerous sports increase the risk the life insurance companies take. As a result, life insurance companies spend thousands of dollars every year developing statistics. These statisticians compile a large quantity of information, so the life insurance carriers determine people’s lifespan and, in this case, the lifespan of people with dangerous sports.
Being involved in a dangerous sport can change your health classification to compensate the life insurance company for the extra risk. A life insurance company can modify your health classification to increase your rate for the added risk or apply a flat extra fee to your standard premium. Sometimes it can also be a combination of both.
Here Are Some of the Most Dangerous Sports for Accidental Deaths and Serious Injuries:
There is no question about it; base jumping is known as one of the most dangerous sports (period). B.A.S.E jumping is a form of parachuting where the participant jumps off a fixed type structure or rocky cliff. The word BASE is an acronym. It stands for the four main categories of fixed objects the base jumper can jump off.
The most common fixed object are buildings, antennas, spans, and the earth itself, such as a cliff. Will this bizarre sport cost the insurance applicant more money? You bet it will, no question about it. Furthermore, this is a hazardous sport with a considerable history of deaths.
For your information, BASE jumping is known as one of the most dangerous recreational activities worldwide. There is a fatality and injury rate of 44 times as high as skydiving from an airplane. The reports show as of October 15th, 2017, the base jumping fatality list recorded over 330 deaths for base jumping since 1981 (ouch). BASE jumping is known as one of the most dangerous sports. It will have an impact on your rates.
The insurance industry has always classified scuba diving as a dangerous sport. Cave diving is a specialized form of scuba diving where the divers explore the deep insides of underwater caves.
Also, keep in mind that sharks lurk in these caves, becoming another lethal threat. On average, three cave divers perish while cave diving each year. I love Scuba Diving, but I never graduated into cave diving because of the dangers. Scuba diving falls into the category of one of the most dangerous sports.
Skydiving has been around for many years, and it is growing in popularity each year. Unfortunately, despite significant improvements in parachute designs, the sport can still have fatalities. Regardless of who packs a chute or what brand the parachute is. There is always the possibility of the parachute failing to open and the skydiver falling.
When several divers are together, they increase the parachute’s chance of tangling. The year 2014 had a total of 18 deaths from skydiving. Having an average of 24 deaths per year makes Skydiving one of the most dangerous sports.
Bull riding is part of rodeo sports; the rider must stay mounted on the bull for as long as he possibly can. The massive bull is doing everything to flip the cowboy off his back all this time. The simple idea of climbing onto the back of a 2000 lb. bull is incredible.
The rider is nothing less than a rag doll compared to the bull’s incredible strength. It is known as one of the most dangerous sports in the world. The U.S. professional rodeo circuit averages two deaths per year. Many more bull riders suffer from severe spinal cord and brain injuries every year.
These statistics are from the World Health Organization’s Helmet Initiative Organization records on file.
The Motorsports Racing participants also have their fair share of severe injuries and deaths. Drag racing, especially in the classes using Nitro, Methane, or Alcohol, has the highest statistics. Remember that these cars travel the quarter-mile at well over 300 miles per hour. When something goes wrong at that speed, it will be severe and fatal.
Drag Boat racing can also be hazardous and worse than race cars. Remember that there are no such things as brakes on a boat.
The ever-popular sport of NASCAR Racing has more injuries and deaths than the others racing sports combined.
Naturally, everyone has heard of rock climbing, but what in the world is ice climbing? If you think it is climbing structures of ice, you are right. Ice climbers climb everything from frozen waterfalls to rocky slabs and cliffs covered with heavy deposits of slippery ice. Usually, this is much more dangerous than straightforward rock climbing is. There are generally over 20 reported deaths each year in the United States and Canada from ice climbing.
The sport of ice climbing has all the dangers of rock climbing but to a much more advanced degree. As a result, life insurance companies are highly cautious when an ice climber applies for life insurance. This sport will trigger an increase in rates and life insurance premiums.
The exciting sport of hang gliding can be hazardous because of several variables. First, hang gliding is a form of flying sport. The pilot flies a small and light, foot-launched aircraft with no motor whatsoever.
Most modern hang gliders are aluminum materials with a cloth sail that forms a wing. The pilot is then attached to the device with a harness. The pilot controls the aircraft by shifting its weight.
The biggest threat is simply crashing to the ground or landing in a body of water and drowning. However, hang gliders can also fall victim to wind current, sending them into the sides of buildings or mountains.
A hot air balloon is called a lighter than air aircraft type. It consists of a giant balloon called an envelope. This balloon contains a large mass of hot air. The flyers are suspended in a gondola made of wicker material in a basket.
A propane-powered torch creates hot air. The heated air inside the balloon makes it very buoyant because it has a lower density than the air outside the balloon. The dangers are strong air currents pushing balloons off course into a structure like electric lines or buildings.
The hot air balloon can also lose its heat and crash to the ground in a dangerous area. The worst-case scenario would be a highway or body of water.
If You Have a Dangerous Sport, Here Is What You Need to Do
Run our instant quote engine to display all your great choices from America’s best life insurance companies. You can see the up-to-date rates for your age, face amount, and term period. This will give you a good starting post on what your premiums may look like.
Then complete our quick pre-screen form to pre-screen your sport to see what company will offer you the best life insurance rates. A pre-screen will work great if you also have any medical conditions. This will enable us to give you an accurate quote and eliminate any surprises during the underwriting process.
Many applicants receive preferred rates even though they are active in a dangerous sport. Therefore, using the right life insurance companies is very important.
This is just a small sample of some sports that can increase the cost of life insurance. However, if you are involved in a dangerous sport, we can help you get excellent rates and enjoy low premiums. Ensuring people with dangerous sports, hobbies, and occupations is something we do every day. We can get you pointed in the right direction and help you receive the best policy with a low premium that will easily fit your monthly budget.
If you have any questions, don’t hesitate to pick up the phone and call us seven days a week!
All the best,
If you have any questions about the negative effect dangerous sports have on life insurance, contact us to help you with no cost or obligation. Remember that we are brokers and work for our clients, not insurance companies. Our job is to help you get approved for the best policy for your needs with the lowest rates possible. You can also set up a time at your convenience to talk.