Live Extreme! 17 Adventurous Things Your Term Life Insurance Policy Can Make Less Risky

Yes, living adventurously with term life insurance is possible, and having life insurance coverage actually makes these adventurous things much less risky. While a life insurance company won’t deny your application if you bungee jump, rock climb, skateboard, or zipline, you may be charged more for your policy. It’s important to shop around to find the best term life insurance rates for your adventurous lifestyle. Start comparing quotes below so you can save money and keep living adventurously with term life insurance coverage.

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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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Some people are content to play it safe and keep their feet firmly planted on the ground, while others like living life on the edge. They throw caution to the wind. They laugh in the face of danger. They thrive on exhilaration and adrenaline.

Term life insurance is a wonderful safety net for anyone, but if you’re a thrill-seeker, it’s a parachute you don’t want to jump without. “Extreme” activities, by Wikipedia’s definition, are classified as such when “poor execution of the activity has to result in a considerable risk of serious physical harm to the participant.”

In other words, daredevils assume more risk than the rest of us.

An analysis by Dr. Vani J. Sabesan, an orthopedic surgeon at Western Michigan University School of Medicine, showed 83 percent of injuries related to extreme sports were head injuries, 17 percent were neck injuries, and 2.5 percent of those injuries were classified as “severe, resulting in potential lifelong disability or death.”  (According to a New York Times article on March 31, 2014, by Jane E. Brody)

While you can minimize the chance of anything catastrophic happening to you by taking safety precautions and knowing all there is to know about your extreme pastime, the unexpected can – and does happen. Having a term life insurance policy in place to protect your family’s financial well-being can give you peace of mind while you live life with abandon.

Would You Feel More Secure Doing These Extreme Activities if You had a Term Life Insurance Policy?

  1. Rock climbing
  2. Bungee jumping
  3. Surfing
  4. Skiing
  5. Skydiving
  6. Waterskiing
  7. Motorcross
  8. Caving
  9. Ziplining
  10. Skateboarding
  11. Cage diving with sharks
  12. Mountain biking
  13. Scuba diving
  14. Hang gliding
  15. White water rafting
  16. Running with the bulls
  17. Base jumping

Whether you’ve been thinking about doing any of these things or have already crossed them off your bucket list, a term life insurance policy offers financial security for your loved ones. Not nearly enough people take it seriously even though it’s one of the most simple and affordable ways to protect their families.

According to LIMRA’s 2013 Facts About Life, only 30% of U.S. households have life insurance. Even if the people in the other 70% don’t participate in extreme sports, not having life insurance is risky business. Planning for the future and looking out for your family is important for everyone – not just adventurers and risk-takers.

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Will the Life Insurance Company Allow You to Participate in These Activities?

Most of the time, the answer is ‘yes.’ On rare occasions, the company will not allow hazardous activities, such as private aviation. The company can exclude them or even decline your application outright.

However, the most common response is to charge you more for your policy. This is often called a flat extra amount and can add considerably to the cost of your policy. But keep in mind, these costs are usually added if you are an active participant in a hazardous activity at the time you apply for coverage. So, if you were to take up rock climbing years after you purchased your term life insurance policy, you would be covered if rock climbing turned into rock falling.

So, what are you waiting for? Get out there and have an adventure!

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