How Does Skydiving Affect Life Insurance? 
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 wont pay if you die from a sky diving incident . You need to shop several life insurance companies for the best price . 