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Skydiving Life Insurance Quotes & Information + Video

Discover All the Essential Information About Life Insurance for Skydivers in [2024] + YouTube Video

Purchasing Skydiving Life Insurance is simple, so don’t let your passion for adventure hold you back fromSkydiving Life Insurance protecting your family. We understand the unique needs of skydivers such as yourself.

Our simple and quick telephone application process is specifically designed to cater to skydivers, ensuring that you can easily secure the protection you need.

With over 40 reputable insurance companies in our network, we have the expertise to find the best coverage options at the lowest rates.

You can rest easy knowing that your family members will be financially protected in the unfortunate event of an accident.

Providing the best skydiving life insurance is a common area of our expertise. Get the peace of mind that comes with being properly protected.

 

 

Can I Buy Life Insurance With a History of Skydiving?

The best life insurance rates for skydivers are accessible to applicants who maintain good physical health.

Can I get life insurance if I skydive? This is probably one of the most common questions we hear people ask. The answer is yes, and you have a lot of good choices in companies and plan designs. Skydiving is a popular sport nowadays, but it is classified as high-risk by the life insurance industry. 

There are many types of risky sports, and purchasing skydiver life insurance is usually not a problem unless you have medical concerns. However, remember that your health is even more critical in obtaining coverage than your high-risk sport.

If you are reasonably healthy, you should have no problem. Skydiving and life insurance work the same as scuba diving for example and in fact, scuba diving has more fatalities than skydivers have.

 

 

Does Participating in Skydiving Have an Effect on Premiums?

Does skydiving affect my premium in any way? Skydiving does affect your life insurance rates but you will find that skydiver life insurance is still very affordable. People typically feel that their sport will make it difficult to purchase or raise their rates when applying for a new policy.

Skydiving makes buying a new plan a little more challenging because it does require a few more questions to be answered. 

It can also raise premiums due to flat extra fees which can be added as an additional high-risk related costs. However, you should be fine if you have the proper training and equipment before jumping from an airplane.

Naturally, the more experience, the better also. Our quoting system will display skydiving life insurance quotes from approximately 40 of the most competitive carriers

 

Skydivers With Health Conditions

An applicant’s current health history is the most important factor when calculating their final rates during the application process. Serious medical conditions will always be taken into consideration. If you have any medical issues we can run a quick medical assessment to see how your rates may be affected.

A medical assessment, otherwise known as a pre-screen, involves a simple five minute conversation to identify what medical issues an applicant has and what type of medication is used to treat it. This way we will know what life insurance companies will be the best choice to apply with.

All life insurance companies underwrite their applications differently. A carrier that is the most friendly to your specific health condition will end up offering the lowest rates.

 

Complete Our Health Questionnaire if You Have Any Medical Conditions

Please click on this link to download our health questionnaire if you have any health conditions. You can either email or fax it back to us and we will be able tois skydiving covered by life insurance provide you with an accurate projection of what your rates will be.

Your health is very important when applying for life insurance for skydivers. Health conditions can have a serious effect on your premiums.

Our Contact Us page contains our email address and fax number. Don’t hesitate to let us know if you have any questions. We are available seven days a week!

 

Is Skydiving Covered by Life Insurance?

Is skydiving covered by life insurance? This is the most common question we hear concerning your sport. Life insurance will pay off for skydiving accidents if the policy was obtained prior to engaging in the activity. Life Insurance will also pay if you apply for a new policy and disclose it on the application. So rest assured, there is nothing to worry about.

Skydiving is covered by life insurance policies you already have active and in force. To apply for new coverage, you must answer the hazardous sports questions on your new application for coverage.

The questions will relate to sports such as drag racing, scuba diving, rock climbing, and BASE jumping.

Don’t ever attempt to conceal your hazardous sport. Omitting your sport could result in a non-payment of claims if you were killed in a sport you neglected to disclose.

Next time one of your fellow divers asks you if skydiving is covered by life insurance, you can tell them it sure does. 

 

What Are the Best Life Insurance Companies for Skydivers?

You have an excellent choice of life insurance companies to choose from. Here is a list of some of the best carriers that are very liberal towards your sport.

We also recommend running our instant quoting system and comparing the companies listed below with their premiums to get a first-hand view of who has the lowest rates. Here are some of the best insurers:

1. Banner Life
2. John Hancock
3. Lincoln National
4. Transamerica
5. Prudential
6. Protective Life
7. Mutual of Omaha
8. AIG (American General)
9. Principal Life

Life insurance for high-risk sports is offered by all major carriers in the United States but the rates vary between companies.

 

What Factors Determine the Cost of a Life Insurance Policy?

Your health will be more critical than your sport in terms of your premiums. It won’t pay to get too involved with choosing a company because more information must be collected for each applicant.

Your acceptance and finding the best life insurance rates will depend on other aspects, such as:

1. Age
2. Health History
3. Occupation
4. Sports & Hobbies
5. Parent’s Health & Longevity
6. Driving Record
7. Medications Used
8. Tobacco Use
9. Height & Weight
10. Credit History

This is all commonly used information required by insurance companies. These questions are also for your agent to pre-screen and choose the best carrier for your specific needs. 

 

Best Life Insurance for Skydivers

The plan designs below are the three main plan designs that would be ideal choices for any skydiver. The best life insurance for skydivers is low cost term insurance due to the very low rates.

Term Life Insurance:

 Term life insurance is the most common life insurance product sold in the United States. It is the most cost-effective planLife Insurance Skydiving design, and you can buy it for as long as needed. You can choose term life insurance products with a term of 10 to 40 years.

Term policies can also be converted into permanent life insurance (universal life) during your term policy period.

Universal Life:

Universal life insurance is a permanent life insurance product that will last for the rest of your life as long as you keep paying your premiums. Whole Life was famous years ago, but it was far too expensive as time passed.

Universal Life is much more affordable and gives you the same lifetime protection. It costs over double the price of the term, but it will last the rest of your life with no possible gaps in coverage like term products can.

No Medical Exam Life Insurance:

No medical exam life insurance is also known as non-med life insurance. The application is shorter than a fully underwritten conventional plan design, eliminating the need for a physical exam.

The side effect is that these plans cost a little more than traditional term life insurance. However, these plan designs can work great if you want to skip the exam and get approved quickly.
 

Does My Level of Experience Affect My Rates?

Your experience is no different from flying an airplane or scuba diving. The more knowledge you have, the better it is when applying for skydiving life insurance. Also, the more training you have, the better for your own safety.

However, everybody has to start someplace, so if you’re new to the sport, you should still get affordable rates and be issued a policy. You can even re-apply later for lower rates once you have more jump time.

 

What Questions Do the Carriers Ask?

These are the most important questions an insurance carrier will ask.

1. How many jumps do you make a year?
2. How much experience do you have?
3. Do you jump over dangerous terrain or water?
4. Do you belong to any jump clubs?
5. Do you skydive for recreation or pay?
6. Do you use standard-approved or experimental equipment?

 

Can I Apply Over the Telephone to Save Time?

Applying for life insurance is faster than ever with telephone applications. All you have to do is listen to theSkydiving and life insurance questions, answer the questions over the phone, and complete your application in about 15 minutes.

You don’t have to complete 20-page paper applications or confusing online applications that require the use of a computer along with some computer skills.

We use the SnapApp system, which makes applying a breeze.

 

Our Final Thoughts

If you are planning on purchasing life insurance for skydivers and the idea of your sport has you worried, don’t give it another thought. We work with all forms of risky sports and hobbies every day.

Contact us today and we will answer your questions and remove all the guesswork you may have.

In addition, we will provide you with the best life insurance quotes from all the most competitive companies chosen explicitly for you and your budget. We are here to help you seven days a week. 

All the best,
Jack Venturi

Should you have any questions, please don’t hesitate to call us at 815-390-7545 for a prompt response. We’re here 7 days a week.

Jack Venturi Independent Life Insurance Agent

Jack Venturi

Independent agent and founder of BestChoiceLifeInsurance.com

Jack Venturi has over 30 years of experience educating and helping people find the best life insurance products at the lowest possible premiums over the phone (815)-390-7545 and online.

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