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How to Buy the Best Life Insurance for Skydivers in 2024

Obtaining Life Insurance for Skydivers: An In-Depth Strategy in [2024]

If you enjoy the sport of skydiving, don’t let your passion for adventure hold you back fromlife insurance for skydivers protecting your family. 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 family members will be financially protected in the unfortunate event of an accident.

Skydiving is one of our areas of expertise. Get the peace of mind that comes with being properly protected.



Can I Apply for Life Insurance With a History of Skydiving?

The best life insurance rates 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? 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 Covered 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 BASE jumping.

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 divers asks you if life insurance covers this sport, you can tell them it sure does. Just make sure to disclose your sport if you or your friends are applying for new coverage.


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
1o. 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 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 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.


Our Final Thoughts

If you are planning on purchasing life insurance 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 or need further assistance, please don’t hesitate to call us at 815-390-7545 for an immediate response. We’re here to help!

Jack Venturi Independent Life Insurance Agent

Jack Venturi

Independent agent and founder of

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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This will guide you to discover the ideal policy at the most affordable rates.

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