The Most Dangerous Sports in the World for Injuries & Deaths in 
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 hazardous sport can impact your application, like a serious health condition.
A sport that someone might have been active in for many years may be considered one of the most dangerous sports in the world.
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?
- How Many People Are Killed by Ice Climbing?
- How Hazardous is the Sport of Hang Gliding?
- Is Hot Air Ballooning Also a Dangerous Sport?
- In Conclusion
A dangerous sport can increase your rates just as easily as a medical condition can, sometimes even more.
Having a dangerous sport can impact your rates quickly, if not more than a health condition can. In addition, hazardous sports increase the risk the life insurance companies take. As a result, life insurance companies spend thousands of dollars developing statistics yearly.
These statisticians compile a large quantity of information, so the life insurance carriers determine a person’s lifespan and, in this case, the lifespan of a person with a dangerous sport.
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). BASE jumping is parachuting from 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 objects are buildings, antennas, spans, and the earth itself, such as a cliff. Will this bizarre sport cost insurance applicants more money? You bet it will, no question about it. Furthermore, this is a hazardous sport with a considerable history of deaths, but some people continue to be active in this sport.
For your information, BASE jumping is one of the most dangerous recreational activities worldwide. 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. This 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.
Diving on sunken ships, also known as wreck diving, is another very hazardous form of diving. Again, the fear is accidentally being trapped on a sunken ship and unable to surface.
Last but not least is ice diving, where you break a hole in the ice and scuba dive under a ceiling of solid ice. Again, the fear is being unable to find a spot to surface and running out of compressed air.
Skydiving has been around for many years and is growing in popularity yearly. 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 yearly makes skydiving one of the most dangerous sports. Staying alive after impacting the ground from several thousand feet due to a parachute failure is a certain death for the participant.
Bull riding is part of rodeo sports; the rider must stay mounted on the bull for as long as possible. 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 less than a rag doll than 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 yearly severe spinal cord and brain injuries. Many riders have been crippled or killed while riding a rodeo bull.
These statistics are from the World Health Organization’s Helmet Initiative Organization records.
Motorsports Racing participants also have their fair share of severe injuries and deaths. Drag racing has the highest statistics, especially in Nitro, Methane, or Alcohol classes. Remember that these cars travel a quarter-mile at well over 300 miles per hour. It can be severe and fatal when something goes wrong at that speed.
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 other racing sports combined.
Everyone has heard of rock climbing, but what in the world is ice climbing? If you think it is climbing ice structures, then 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. There are generally over 20 reported deaths yearly 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, light, foot-launched aircraft with no motor whatsoever.
Most modern hang gliders are made of 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, landing in a waterbody, and drowning. However, hang gliders can also fall victim to wind currents, sending them into the sides of buildings or mountains.
A hot air balloon consists of a considerable balloon known as 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 dangers are strong air currents pushing balloons off course into structures 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.
Have a Dangerous Sport? Here Is What to Do
Run our instant quote engine to display your great choices from the 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 point 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 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, we can help you get excellent rates and affordable premiums if you are involved in a dangerous sport. Ensuring people with hazardous 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 premium that will fit your 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 effects 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.