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...

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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...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Jun 23, 2021

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The Brief

  • Life insurance for extreme sports can be expensive depending on the sport or activity you participate in
  • Certain activities, like mountaineering and skydiving, are considered high-risk and will result in higher rates
  • For those who participate in high-risk activities, term life insurance is the most affordable policy

If you are an extreme sports enthusiast, it’s important you understand life insurance for extreme sports and how it works.

Keep reading to learn more about extreme sports insurance policies and whether term life or whole life policies are right for you. Knowing how to find cheap term life insurance rates will save you time and money.

Do you want to start shopping for affordable life insurance for extreme sports? Enter your ZIP codes above, and we will help you get started.

What sports are considered extreme sports?

As you may be aware, life insurance companies use something called risk class to determine how risky individual activities and individuals are to underwrite.

While each company uses its own algorithm and may get very different results, some activities are generally considered high-risk.

  • Mountaineering
  • Some types of scuba diving
  • Skydiving
  • Bungee jumping
  • Ice climbing
  • Auto racing
  • BASE jumping
  • Hang gliding
  • Small aircraft piloting
  • Surfing

But what happens to your life insurance when you participate in extreme sports?

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Will I pay more for life insurance if I do extreme sports?

As you can see from the list above, many high-risk activities are considered extreme sports.

This means that you may see higher rates in your extreme life insurance, sometimes called Xtreme sports insurance, depending on what type of sports you enjoy.

However, while these activities are generally high-risk, many factors can still affect your life insurance rates for extreme sports.

Factors like how often you do these things, what type of training you have, and what safety precautions you take when participating.

In addition, many things like scuba diving or surfing have levels of risk inherently within them. This means that there are forms of these activities that aren’t going to raise your rates.

What is the most affordable life insurance for extreme sports?

If you are looking for life insurance quotes for extreme sports that are considered high-risk, you are quickly going to find the rates are higher than average.

To avoid paying more than you need to, there are some things you can do. The first is to look into sports insurance companies and clubs related to your chose activity.

Sports clubs for popular activities, like skydiving, scuba diving, and rock climbing, work with insurance companies to provide more affordable life insurance rates for extreme sports enthusiasts.

The next way you can ensure you are getting the right life insurance company for extreme sports is to look into term life insurance.

Term life insurance is the most affordable policy available for adults and is offered by a plethora of companies.

Here’s a look at term life insurance policy rates for an average person.

Average Monthly Term Life Insurance Rates by Company
CompanyAverage Monthly Rates
FEGLI Plan A$17.99
Haven Life$8.87 - $11.89
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Now keep in mind, if your sport is considered high-risk, your rates will likely be much higher than those listed above.

However, if you take necessary precautions and participate in the safest forms of your chosen sport, you may be able to find affordable life insurance.

The last thing you can do to ensure you get the right price for life insurance is to comparison shop quotes and companies.

Are you ready to buy life insurance for extreme sports? Enter your ZIP code below, and we will help you start your search.