Does Life Insurance Cover Skydiving Accidents? 
The answer is Depends ? When you apply for a life insurance policy most all ask about skydiving . If the answer is yes , it will depend on your experience level as a skydiver . There may or may not be extra premium involved , a rider excluding skydiving or a decline . It all depends on the individual . Now , let 's look at this another way . Let 's say you purchased a policy in 2011 and in 2012 you decided for your birthday that you would jump out of a perfectly good airplane . Well , did n't go as planned and you died . It 's during the contestability period so the insurance carrier will investigate . What they are looking for is anything that ties you to skydiving that was prior to the date of the application . If they find a record -LRB- skydiving class receipt -RRB- of your intent to skydive and you put `` no '' as your answer , they can contest the payout . If a year later , on a whim , you jumped out of a plane and it did n't go well , they pay , as long as you did n't have a record of prepaying for the jump that is around the application time . 