Sky diving affects life insurance and is underwritten as a recreational hazard or dangerous activity. Nevertheless, there are life insurance companies that price the risk of sky diving in terms of a flat extra per thousand of death benefit, generally based on jump frequency. If your jump frequency is high, the life insurance company may offer you coverage with a sky diving exemption, i.e. they won’t pay if you die from a sky diving incident. You need to shop several life insurance companies for the best price.
If you are getting a simplified issue issue life insurance policy, the policy may be all or nothing. Either they don't ask, and therefore, you can get the policy. Or they do ask, and therefore you cannot get the policy.
When purchasing medically underwritten life insurance, there are usually more options. You might be able to get a policy that adds on a flat extra, meaning that is charges an extra dollar amount per thousand dollars of coverage. Or you may be able to get a policy that excludes skydiving. Or you may want to get one of both.
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When purchasing medically underwritten life insurance, there are usually more options. You might be able to get a policy that adds on a flat extra, meaning that is charges an extra dollar amount per thousand dollars of coverage. Or you may be able to get a policy that excludes skydiving. Or you may want to get one of both.