Does My Life Insurance Cover Skydiving? 
Yes , it can affect what you pay for your life insurance . You can secure life insurance even if you skydive . However , every policy will ask you if you participate in any extreme or hazardous activities - this includes skydiving . When this is answered yes , they will likely ask you to complete a questionnaire to provide details . Some carriers will offer full coverage , but will charge a flat extra -LRB- an additional amount per $ 1,000 of coverage -RRB- or a lower risk class . This is a premium added onto the policy to cover the added risk incurred by being a skydiver . Others may only approve coverage withan exclusion rider -LRB- stating that if you die under this condition , the policy will not pay out the death benefit amount -RRB- . It may cost more for a program that will protect against death as a result of a skydiving incident , but it can be worth it - the choice is ultimately yours . Adjusting the face amount and/or term length are ways of reducing the premiums as well . When you 're no longer skydiving , you may want to look into re-writing your coverage to secure a more favorable premium structure - keep in mind , most carriers will generally look-back 2 years on these activities though.There are some simplified issue , non-medical , life insurance policies that do not ask about about extreme activities , but these programs will generally feature a substantially higher premium and the amount you can secure under a single policy will be limited . I always recommend consulting with an experienced broker who can review options from multiple carriers because each company can assign a different risk class for skydivers . Please let me know if I can be of further assistance . Thanks very much . 