Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

Full Bio →

Written by

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insur...

Full Bio →

Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Jun 3, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance provider and cannot guarantee quotes from any single provider. Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance related. We update our site regularly, and all content is reviewed by life insurance experts.

The Brief

  • Climbers can pay more for life insurance depending on their climbing habits
  • Certain activities like mountaineering can make you high-risk and increase your rates
  • The most affordable life insurance option for climbers is term life insurance

If you are a climber, you know life insurance is important, but is life insurance for climbers affordable? The truth is that it depends.

Keep reading to learn how you can find an affordable term life insurance policy and how to reduce your risk as a rock climber. Knowing how to find cheap term life insurance rates will save you time and money.

Do you want to start looking at affordable life insurance for climbers? Enter your ZIP code above, and we will help you jumpstart your search.

Do climbers pay more for life insurance?

In short, it will depend. Life insurance companies use something call risk class to decide individual rates, with high-risk being those who pay the most.

That means that they take things like rock climbing accident statistics into consideration before they deem anyone high-risk.

The good news is that most rock climbing activities are not considered dangerous enough to make someone high-risk.

In fact, according to a paper in the International Journal of Environmental Research and Public Health, climbing accidents are rare.

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

What activities can make me high-risk?

Life insurance companies will take a look at several factors before determining someone’s risk class. For rock climbers, these factors include:

  • How often you climb
  • Are you part of any clubs or groups
  • What is your experience level
  • Where do you climb
  • What type of climbing do you do

Certain types of rock climbing, in particular, can raise your rates immediately. These are things like bouldering, free climbing, and mountaineering.

These things are considered high-risk because they are a higher number of accidents, with mountaineering being the most dangerous of the three.

In the end, depending on what type of climbing life you live, you may find your life insurance rates for climbers are much the same as non-climbers.

However, if you are regularly scaling mountains or don’t use climbing equipment, you could be paying considerably more.

How can I get the most affordable life insurance for climbers?

If you are ready to start comparing life insurance quotes for climbers, it’s important to know where to start.

A good place is with American Alpine Club insurance. While there is no specific life insurance company for climbers, the American Alpine Club partners with Nicholas Hill Benefit Group.

This company helps climbers find coverage that is affordable and specifically designed for climbers.

If the policy provided by the American Alpine Club is not right for you, your best bet is to look into term life insurance policies.

Term life insurance is well-known for being affordable and is offered by the majority of life insurance providers. This means you have more quotes to compare and are more likely to get a policy that fits your budget.

To give you an idea of how much term life insurance costs, here’s a look at some average term life insurance rates.

Average Annual Term Life Insurance Rates for a 30-Year-Old Female Non-Smoker
Term Life Insurance Coverage AmountAverage Annual 10-Year Term RatesAverage Annual 20-Year Term RatesAverage Annual 30-Year Term Rates
Get Your Rates Quote Now

Compare RatesStart Now →

As you can see, rates begin at less than $10 per month, making term life insurance particularly affordable.

Now, keep in mind that these rates can increase significantly if you are designated as high-risk by your insurance company.

Are you ready to buy life insurance for climbers? Enter your ZIP code below, and we will help you get started right away.