Does Skydiving Affect Life Insurance? 
If you have an existing life insurance policy , and years later decide to take up skydiving as a hobby or part of a job , skydiving will not affect your life insurance at all . If you have skydived in the past and plan to skydive again , or have definite plans to skydive in the future , you will need to pay a flat extra to cover your skydiving , or else attach a rider that will exclude skydiving as a cause of death for your policy coverage . 