Life Insurance for Skydivers

Skydiving is a risky activity, but that doesn't mean those who do it can't get insured. Life insurance for skydivers is more expensive due to the risk involved, but these costs can be lowered by adding a skydiving exclusion to your policy. Read more to find out how skydiving insurance works and how you can save money and get great life insurance rates for skydivers at the same time.

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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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Quick Facts

  • Regular skydivers will most likely have more expensive life insurance policies due to the risk they take by regularly skydiving.
  • It is never a good idea to lie to your insurance company about your activities. If they catch you lying, your coverage could be terminated.
  • It may make more economic sense to buy a life insurance policy with a skydiving exclusion to avoid big premiums.

Skydiving is an exhilirating activity many Americans enjoy. It is a risky activity, though, and regular skydivers are putting themselves at a much higher risk of accidental death than non-skydivers.

Does life insurance cover skydiving accidents? How much life insurance do you need?

This depends on your life insurance policy. If you are a regular skydiver, you will need to disclose this to your life insurance company. Failure to disclose key information about your life could lead to termination of your life insurance policy.

Still, life insurance for skydivers is not too hard to find if they know what to look for. Keep reading to learn more about skydiving and tandem skydiving life insurance.

If you’re ready to start comparing great life insurance quotes in your area enter your ZIP code now. Not yet ready to buy life insurance for skydivers? Read on to learn more.

Does skydiving affect life insurance?

If you go one time for at the spur of the moment or for an event with friends, skydiving won’t affect your life insurance. However, if you are one of the many people who love skydiving and do it regularly, your life insurance rates will be affected.

Life insurance companies rate customers based on their risk levels. Young, healthy people are the least likely to die. Therefore, they carry the least amount of risk and get the best life insurance rates.

Life Insurance Rating Class by Level of Risk
Rating ClassLevel of RiskPolicy Premium
PreferredLowLeast Expensive
Sub-StandardHighMost Expensive
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Skydiving is a risky activity, with “one fatality per 220,301 jumps,” according to the United States Parachute Association. People who regularly jump out of planes put themselves at more risk than do average people.

As a result, skydivers have higher life insurance premiums. The extra cost to your life insurance policy will depend mostly on how regularly you skydive.

Do I need insurance for skydiving?

Though you don’t need life insurance for skydivers, it may be a good idea.

You don’t need insurance to go skydiving, but if you are concerned, look into policies that could cover your loved ones in the event you have an accident.

If you shop around, you may find an insurer who offers specific policies tailored to skydivers. These specialized skydiving insurance policies will only cover you in the event that you die or are seriously injured while skydiving.

These specialized policies won’t cover you in the event that something happens to you outside of skydiving. If you’re interested in getting a skydiving-specific life insurance policy, be sure to supplement it with a term life insurance policy as well.

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How can skydivers save money on their life insurance?

Skydiving is a risky activity that will drive up the costs of your life insurance. However, there are ways for skydivers to organize their policies in order to avoid large, costly premiums.

The best way to keep your life insurance costs down if you are a skydiver is to get a skydiving exclusion in your policy.

Basically, this means if you accidently die while skydiving your life insurance won’t cover you. If you add this exclusion to your policy, you reduce the risk associated with insuring you.

Yet, you don’t want to be uncovered in case of an accident. Combine a life insurance policy that has a skydiving exclusion with an accidental death life insurance policy or a skydiving-specific policy.

This will help you save money and make sure you are completely covered in case of an accident while skydiving or otherwise.

How can skydivers get affordable life insurance coverage?

It is possible to get great life insurance rates and be an avid skydiver. The best way to get life insurance policy for skydiving is by comparing rates.

Your best bet is to shop around with a number of different life insurance companies, look into accidental death policies, and see if there are any local companies that offer skydiving specific policies.

Many skydivers avoid life insurance because they think they won’t be able to afford it, but this is not true — affordable life insurance for skydivers is possible.

When you are ready to start shopping for great life insurance coverage, use our tool to compare life insurance quotes for skydivers in your locality by entering your ZIP code below. Which life insurance company for skydivers is for you? Find out now.



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