Life Insurance for Climbers

Even if you're an avid mountaineer, you can still qualify for life insurance for climbers. Knowing what kind of policy you want and finding a life insurance provider that understands climbing are the first steps to getting the best life insurance for rock climbers. Use our free quote tool to compare mountaineering life insurance rates and get a quote today.

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent

UPDATED: Jul 19, 2021

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It’s all about you. We want to help you make the right life insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance company and cannot guarantee quotes from any single company.

Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.

Quick Facts

  • Insurance companies look at risk factors like extreme sports when determining coverage and premium costs.
  • Your history and skill as a climber can affect your insurance rates.
  • It’s important to be truthful when applying for mountain climber’s life insurance. Otherwise, benefits could be denied.

As long as you don’t plan on following in Alex Honnold’s footsteps and free soloing El Cap, you can likely still qualify for life insurance for climbers.

Though many people may think they’re not eligible for life insurance because of their higher-risk hobbies, it’s still possible to get a term life insurance policy, even as a mountaineer.

However, there are a few things to be aware of when researching the best life insurance for mountain climbers. Premium prices and quality of coverage can vary widely depending on provider, use our free quote tool to compare life insurance rates for climbers today.

How to Get Mountain Climber’s Insurance

An important thing to keep in mind when applying for life insurance, whether you’re a climber or not, is to always be truthful in your application.

Lying on a life insurance application is considered to be fraud by the insurance provider. If your carrier finds that you lied or omitted risk factors in your life, it could result in prosecution or your family could be refused benefits in the occasion of your death.

Risk factors of any type typically lead to an increase of insurance premiums, whether those risk factors are health, age, occupation or playing extreme sports.

As a result, a hobby like rock climbing will most likely cause you to have more expensive monthly premiums than you would have otherwise. Choosing a life insurance company for climbers that caters to those who partake in extreme sports may work to your advantage.

It’s also critical to evaluate what you need from a life insurance policy. Consider what your family would require if you died, and make sure you communicate your needs when applying for mountain climber’s life insurance.

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What Mountaineering Life Insurance Providers Want to Know

Expect to answer questions when applying for mountaineering life insurance and understand that anything the underwriter asks is to help you get the best coverage for your money.

It may be tempting to lie or leave out aspects of your climbing life but it can actually work to your advantage to provide the carrier with a thorough understanding of what type of climber you are.

Though you can get life insurance when you’re living on the edge, remember that mountaineering life insurance providers are likely to ask about some of the following things.

  • How Often You Climb– Your term life insurance rates could differ depending on whether you’re a weekend warrior or daily climber.
  • What Kind of Climbing– Climbing in a gym, outdoor sport climbing, mountaineering and soloing all have different risk level and the premiums to reflect them.
  • Elevation at Which You Climb– If you’re a mountaineer who climbs above 4,000 meters you are considered significantly riskier to an insurance provider than those who climb at lower altitudes. 
  • Are You A Member of an Organization?– Being a member of a reputable organization like the American Alpine Club or another climbing organization that works to mitigate risk within the sport can play to your benefit. 
  • Who You Climb With– Climbing alone is inherently risky and insurance providers aren’t likely to reward it. However, climbing with a well-regarded group or better yet, a guide, can help you get better coverage for your premium cost. 
  • Professional Training– Showing your mountaineering insurance provider that you have a solid skillset with professional classes or licensing is a great way to qualify for a lower rate.

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Options for Life insurance for Rock Climbers

Rating Class Change– If term life insurance is your first choice for mountain climber’s insurance, you may end up paying a higher premium than a non-climber would. Insurance providers sort people into categories based on risk factors in their life. These are called life insurance rating classes.

Your ratings go up or down based on your age, health, habits and life circumstances. Being a rock climber or mountaineer may cause your rating class to drop and your premium to go up.

As a mountaineer, you may end up paying more for life insurance for climbers. The table below illustrates the relationship between rating class and premium price.

Life Insurance Rating Class Summary

Rating ClassPolicy RisksPolicy Costs
PreferredLowLeast Expensive
Sub-StandardHighMost Expensive
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Exclusion Rider– An exclusion rider is a clause added to your life insurance policy. If you added a climbing exclusion rider, it would mean that you’re covered by life insurance unless you die climbing.

An exclusion rider may be a good choice if you otherwise don’t qualify for life insurance but need some coverage for family or dependants in the event of a worst-case scenario.

Medevac Insurance– Adding medevac insurance to an existing policy is typically inexpensive and can help cover evacuation costs if you’re injured or killed in a remote area.

Survivorship Insurance– If your life insurance provider deems you too risky to qualify for traditional term or permanent life insurance, it may be worth looking into survivorship insurance.

At its most basic, survivorship insurance is a joint life insurance policy that only pays death benefits if both parties have died. This type of policy may be easier to qualify for and would cover children or dependents if both parents die.

Denial of Coverage Unfortunately, for mountaineers who climb at the extreme or professional level, you may be denied coverage altogether.

However, unless you’re an elite climber headed to places like Everest or Anapurna, you can most likely find mountain climber’s insurance coverage.

Where to Get the Best Life Insurance for Rock Climbers

Finding the best life insurance for rock climbers may take a bit of research, but shopping around and comparing quotes will help match you to a provider who understands what you need.

Enter your zip code into our free quote tool and compare rates between mountaineering life insurance providers today.

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