Activities such as skydiving can affect an insurer’s assessment of a life insurance application. Participation does not produce the same decision with every insurer. Eligibility, premiums, exclusions, and any additional policy terms depend on the activity, the applicant, and the insurer’s underwriting requirements.
Answer application questions fully and accurately, including questions about hobbies, occupation, health, and tobacco use. Provide additional information when requested. Inaccurate or incomplete information can affect an application or a later claim, subject to the policy and applicable law.
Before purchasing, ask whether the proposed policy covers death associated with the activity, whether an exclusion applies, and whether an additional premium or special policy provision is required. Review the actual policy and any endorsements; do not assume that a rider automatically adds the protection you need.
Coverage is not guaranteed, and payment of a claim depends on the policy’s terms and the circumstances of the claim. A licensed agent can help explain available options and the insurer’s written requirements.
To discuss your insurance needs, request a consultation with a licensed RMY insurance agent. A consultation request does not purchase coverage or guarantee approval.
