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The Costs of Thrill-Seeking: Risky Behaviors and Life Insurance Rates

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Are your risky behaviors costing you more than you think?

Navigating through life can be stressful, mundane, predictable, and downright boring. Everyone loves a good thrill from time to time, whether it’s watching a scary movie or white water rafting. Okay, maybe those are not exactly the same but you get the idea, people love spontaneous and unpredictable activities every now and again. That’s why people turn to activities like skydiving, kayaking, hiking, and bungee jumping to mix it up and feel alive. How many of you reading this have done any of these activities? Or maybe even something more dangerous? If you partake in these risky behaviors, then this article is for you.

Is It Worth It?

There are so many things to consider when looking for life insurance. When should I purchase? Which company will give me the best rate? Will my behaviors affect my life insurance premium? But what criteria is the insurance company looking for when it comes to giving the best priced monthly life insurance premium? They are avoiding the classic red flags and making safe decisions. At the end of the day, their goal is to provide coverage, and to make money rather than lose it. In order to do this, insurance companies have to research the applicants. Then, they supply quotes accurately based on behaviors of the individual. We have all heard of health risks determining the overall cost of life insurance, smokers, drinkers, and those with higher risk for illness. What about someone who likes to jump out of planes… for fun?

The Effect on Your Life Insurance

Research has proven that insurance companies will take into account all of your risky behaviors. They give their quote estimated by how much you could potentially cost them. Some people would think they could just withhold this information and move along, but insurance companies are allowed to investigate claims and postpone your coverage.

Finding Coverage

Lucky for those who like risky behaviors, there are high risk policies available to accommodate your lifestyles. Say you are an avid skydiver, an activity that claims an average of 20 lives every year. What kind of policy can you receive? You can receive full coverage, but probably with more extensive questions and higher premiums. You have to ask yourself the question, is it worth it? If you have a family dependent on your life to provide food, shelter, and a steady income then it is a cost you are advised to take on. Preparing for the future can seem morbid when signing up for your first jump, but it is the best thing you can do. When you are comparing quotes, here are some tips that you should keep in mind…

  • Insurance companies view all circumstances individually

  • Insurance companies generate their own cost benefit analysis and act accordingly

  • Insurance agencies have their own process for deciding which risk behaviors are high or just moderate

Trust Insuravita to start the first step to learning about your life insurance options. Get a quote today!

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