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How to Buy the Best Life Insurance for Skydivers in 2024


Applying for life insurance coverage while participating in skydiving is a simple task, and finding the most cost-effective insurer is essential.

How to Apply for Skydiving Life Insurance & Secure the Best Rates – The Ultimate Guide for [2024]

Are you a thrill-seeking adventurer who loves skydiving? Don’t let your passion for adventure hold you back fromlife insurance for skydivers protecting your loved ones. We understand the unique needs of skydivers like you.

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 at the lowest rates possible.

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

Don’t delay any longer. Take a proactive step towards securing your family’s future. Skydiving and obtaining the best life insurance coverage are our areas of expertise.

Skydiving and life insurance are our areas of expertise. Get the peace of mind that comes with being properly protected.



Can I Apply for Life Insurance While Engaging in Skydiving Activities?

Skydivers in good physical condition can easily obtain the best life insurance coverage. 

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 serious 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 and in fact, scuba diving has more fatalities than skydivers have.


Does Participating in Skydiving Have an Effect on My Insurance Premiums?

Does skydiving affect my premium in any way? This is a critical question many times in insurance-related conversations. People typically feel that their sport will make it difficult to purchase or raise the rates of a new life insurance policy.

Unfortunately, this sport 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 a little due to flat extra fees’ 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. 


Is Skydiving a Covered Activity Under a Life Insurance Policy?

Life insurance will pay off for skydiving accidents if the policy was obtained prior to engaging in the activity and if the applicant discloses it in a new policy.

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 life insurance skydiving.

Don’t ever attempt to conceal your hazardous sports. When asked, omitting them could result in a non-payment of claims if you were killed in a sport you did not want to disclose.

Next time one of your fellow skydivers asks you does life insurance cover skydiving, you can tell them it sure does. Just make sure to disclose that you can skydive if you or your friend are applying for new coverage.


What Are the Best Life Insurance Companies for Skydiving?

You have an excellent choice of life insurance companies for skydiving 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:

  • Banner Life 
  • John Hancock
  • Lincoln National
  • Transamerica
  • Prudential
  • Protective Life
  • Mutual of Omaha
  • AIG (American General)
  • Principal Life

Skydive life insurance is offered by all major carriers in the United States but the rates vary between companies.


What Factors Determine the Cost of My 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 for skydivers will depend on other aspects, such as:

  • Age
  • Health History
  • Occupation
  • Sports & Hobbies
  • Parent’s Health & Longevity
  • Driving Record
  • Medications Used
  • Tobacco Use
  • Height & Weight
  • Credit History

This is all standard information required by insurance companies and for agents to pre-screen the many life insurance companies so they can choose the best carrier for your specific needs. This is how you can receive the best rates at any time.

What Types of Life Insurance Policies Are Most Suitable for Skydivers?


Term Life Insurance:

 Term life insurance is the first 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 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 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 skip the exam and quickly get approved.

How Does My Experience Background Impact 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 life insurance. Also, the more training you have, the better.

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 Life Insurance Companies Typically Ask?

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

  • How many skydiving jumps do you make a year
  • How much experience do you have in skydiving?
  • Do you jump over dangerous terrain or water?
  • Do you belong to any jump clubs?
  • Do you skydive for recreation or pay?
  • Do you use standard-approved or experimental equipment?


What Are Flat Extra Fees Used For?

The additional costs for skydiving are flat extra fees. These are commonly used in many potentially hazardous sports and occupations. They are simply a different flat-dollar amount that will be added to your existing base rates for your life insurance.

Whatever your health classification is, there will be an additional flat extra fee. Remember that the flat extra fees are based on every $1,000 in coverage. Here is a breakdown of how these flat extras fees work:

*50 jumps a year, or less than $2.50 per $1,000 coverage

*Over 50 – 100 jumps per year $5.00 per $1,000 of coverage

*100 jumps per year and over$7.50 to $10.00 per $1,000 of coverage

Remember that these flat extra fees vary between companies you may choose to apply with.

Getting the lowest rates on skydive life insurance is always the primary goal so we try to utilize companies that seldom use flat extra fees. These fees are used because of the additional risks the insurers take when they insure the life of a skydiver.


Examples of Flat Extra Fees and Their Application

Here is an excellent example of a flat extra fee in action. In this example, we will use a 35-year-old male purchasing a 30-year term policy with a face amount (death benefit) of $250.00.

We will use an example of a premium of $1,200.00 per year as a base premium without a flat extra charge. These flat extra fees have to be taken into consideration when you are comparing life insurance quotes for skydiving.

 $2.50 flat extra fee – $2.50 times 250 (the face amount). $2.50 x 250 = $625.00. The base premium of $1,200 +$625 = $1,825.00 total premium.

 $5.00 flat extra fee – $5.00 times 250 (the face amount). $5.00 x 250 = $1,250. The base premium of $1,200 + $1,250 = $2,450.

 $7.50 flat extra fee – $7.50 times 250 (the face amount). $7.50 x 250 = $1,875. The base premium of $1,200 + $1,875 = $3,125 total premium

The higher or lower the face amount you apply for will have a greater or lesser effect on your total premium because the flat extra fee is based on each $1,000.00 of coverage.

The fees issued by the companies are not etched in granite. I often see companies more lenient and either reduce or eliminate the flat extra costs.


What Are Life Insurance Policy Exclusion Riders?

You have another option when purchasing life insurance for skydivers: requesting a policy that does NOT cover the actual act of skydiving. Not all companies offer these exclusions.

Exclusions can reduce the cost of a life insurance policy. By far, most people want to be covered when they jump out of that airplane, so the choice is definitely up to you to carefully consider.

Skydivers life insurance quotes with exclusion riders will not require any type of flat extra fee to be added onto the base premium.


Should I Connect With an Independent Insurance Agent?

Anytime you shop for insurance products, connecting with an independent agent such as ourselves will save you time and money. Independent agents represent the entire insurance market and can place you with the best company to provide you with the lowest rates. This especially holds when purchasing high-risk life insurance for skydivers.

Captive agents, such as State Farm, can only show you one company. The captive agent works for their company directly and has their employer’s best interest in mind. Independent agents do not work for insurance companies. That is why they are known as independent agents. Essentially, they work for their clients and have their best interests in mind.


Can I Apply Over the Telephone to Save Time?

Applying for skydivers life insurance is faster than ever with telephone applications. All you have to do is listen to theSkydiver Life Insurance Quotes 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.


How Can I Compare the Best Life Insurance Quotes for Skydivers?

If you want to compare the best quotes, go to our instant quoting system on our website. You will be able to review more than 40 of the most competitive life insurance companies compared side by side in less than a minute.

We can also give you a premium quote right over the phone. In addition, if you have any medical conditions, we can show you how they affect your rates. Our website quoting system can provide you with life insurance quotes for skydiving anytime you wish to use it.


Medical Pre-Screen Before Applying

A pre-screen is just a quick 5-10 minute conversation between an agent and an applicant to determine what company to apply with based on any health conditions the applicant may have.

If you have any medical conditions, we always recommend a quick 5-10 minute medical pre-screen to eliminate any surprises later. A pre-screen will also help us choose the best company to place your application. Jumping into an application blind can cause unnecessary problems for the applicant and the agent.

Skydiving and life insurance is a simple process but health conditions can sometimes complicate an application.


Our Final Thoughts

If you are planning on purchasing skydivers life insurance and the idea of your sport has you worried, don’t give it anotherSkydivers Life Insurance Quotes 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

*For any questions you might have, our live chat system is at your disposal or call us at 815-390- 7545 and we will provide a quick answer.

If you have questions about skydiver life insurance, contact us today and let us help you at no cost or obligation. You can also set up a time at your convenience to talk.


Jack Venturi Independent Life Insurance Agent

Jack Venturi

Independent agent and founder of

Jack Venturi has over 30 years of experience selling individual and commercial insurance including Property & Casualty, Health, Disability and Life insurance. Jack has helped thousands of people all across the United States purchase the best life insurance products at the lowest possible premiums over the phone (815)-390-7545 and online.

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