Can You Get Life Insurance If You Skydive?

Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

Skydiving and Life Insurance Eligibility

Impact of Skydiving on Life Insurance

  • Increased Risk: Skydiving is considered a high-risk activity by insurance providers.
  • Frequency of Jumps: More jumps per year can lead to higher premiums.
  • Experience Level: Experienced skydivers may receive more favorable rates.

Underwriter Considerations

  • Unique Skydiving Circumstances:
    • Trick dives or special maneuvers.
    • Tandem skydives.
  • Occupational Skydiving:
    • Military-related skydiving, e.g., Special Forces.

Impact of Skydiving on Insurance Rates

  1. Occasional Skydiver: Less frequent jumps might only slightly increase premiums.
  2. Regular Skydiver: High frequency can significantly affect rates.
  3. Professional Skydiver: May face higher rates but might get discounts based on experience and safety records.

Skydiving Frequency vs. Insurance Impact

Skydiving FrequencyImpact on Insurance RatesNotes
OccasionalMinor IncreaseDepends on underwriting criteria
RegularModerate to High IncreaseHigh-risk categorization
ProfessionalVariableExperience may offset risk


While skydiving increases the perceived risk for life insurance providers, it is still possible to obtain coverage. The key factors influencing rates are the frequency of jumps, the skydiver’s experience, and specific circumstances related to the skydiving activities. Understanding these elements can help skydivers find the most suitable life insurance policy.

For further assistance and a tailored insurance quote that considers your skydiving activities, contact us today for a free quote.

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Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

Shawn Plummer is a Chartered Retirement Planning Counselor, insurance agent, and annuity broker with over 14 years of first-hand experience with annuities and insurance. Since beginning his journey in 2009, he has been pivotal in selling and educating about annuities and insurance products. Still, he has also played an instrumental role in training financial advisors for a prestigious Fortune Global 500 insurance company, Allianz. His insights and expertise have made him a sought-after voice in the industry, leading to features in renowned publications such as Time Magazine, Bloomberg, Entrepreneur, Yahoo! Finance, MSN, SmartAsset, The Simple Dollar, U.S. News and World Report, Women’s Health Magazine, and many more. Shawn’s driving ambition? To simplify retirement planning, he ensures his clients understand their choices and secure the best insurance coverage at unbeatable rates.

The Annuity Expert is an independent online insurance agency servicing consumers across the United States. The goal is to help you take the guesswork out of retirement planning and find the best insurance coverage at the cheapest rates

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