Riding a motorcycle does not affect your life insurance rates. Only a bad driving record (or riding record in the case of motorcycles.) if you race motorcycles it can affect your rates or even acceptance with many companies.
Thank you for asking about riding a motorcycle and not driving a motorcycle. It makes me cringe when people say "I DRIVE a motorcycle."
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Riding a motorcycle could affect your life insurance. When underwriting a policy and determining your rate, the type of lifestyle you live and hazardous sports and hobbies could impact pricing.
However, once the policy is approved and issued, and you have accepted the terms, driving a motorcycle should not in any way impact the policy you purchased.
The domestic riding of a motor cycle in itself should not affect your ability to secure life insurance coverage as any other potential insured. However, motor cycle racing is a hazardous recreation and vocation subject underwriting flat extras. Also multiple motor cycle moving violations or DUIs, a subject rarely addressed in questions life this, could actually cost the potential insured more money than a convention car owner with the same motor vehicle report.
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Thank you for asking about riding a motorcycle and not driving a motorcycle. It makes me cringe when people say "I DRIVE a motorcycle."
However, once the policy is approved and issued, and you have accepted the terms, driving a motorcycle should not in any way impact the policy you purchased.