Owner/Insurance Broker, KM Health Insurance Services, Hazel Crest, Illinois
Awesome question. With most, if not all life insurance application forms, one question in particular asks if you plan on doing any dangerous sports within a certain amount of years. Typically that would be a decline if you do plan on participating in these types of sports.
If you are the beneficiary of a life insurance policy, you may spend the proceeds any way you wish! If you are the insured and truthfully answered ALL questions asked during the application and any required medical exam processes, then yes, your policy would pay your beneficiaries following your demise in a skiing accident. However if you were not forthright in your respones, your beneficiaries could be left with no more than a refund of premiums paid. Honestly is the best of all policies!
Yes, life insurance covers skiing. If you are a recreational skier, there will not be any difference in your price than if you did not ski at all. Your policy would pay whether death occurred by illness or accident, even it it was a skiing accident.
Your rate might be higher or the skiing might be excluded if you are a professional skier or participate in ski racing.
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Your rate might be higher or the skiing might be excluded if you are a professional skier or participate in ski racing.