Life Insurance for Extreme Sports (Discounts & Rates)

The average cost of life insurance is about $9/mo, but life insurance for extreme sports can cost $10-$14 more. Term life insurance is the least expensive policy for extreme sports insurance, but life insurance providers must approve your application first. Motorsports is one of the few extreme sports that's excluded from life insurance automatic approval.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Apr 12, 2021

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The Highlights

  • Life insurance rates for extreme sports are more expensive than average
  • Some extreme sports have life insurance contracts already in place
  • Your monthly rate will depend on how frequently you participate in extreme sports

In addition to comprehensive health insurance, you’ll need life insurance for extreme sports. Life insurance policies are still available for extreme sports enthusiasts but at a much higher rate than usual.

Extreme sports is one of the high-risk activities that life insurance companies reconsider when writing life insurance. Some even deny your request altogether.

Read through this short guide to learn how to buy life insurance for extreme sports.

Why wait to get life insurance quotes for extreme sports? Enter your ZIP code in our free comparison tool above to compare multiple companies in your local area.

How much are life insurance rates for extreme sports?

To understand how much life insurance for extreme sports costs, let’s look at the average cost of life insurance from the United States’ best companies.

Average Monthly Life Insurance Rates and A.M. Best Rating by Company
CompanyAverage Monthly Life Insurance RatesA.M. Best Rating
Banner Life$9A+
Principal$9A+
Protective$9A+
Guardian Life$10A++
MassMutual$10A++
Haven Life$11A++
New York Life$11A++
John Hancock$11A+
Mutual of Omaha$12A+
Nationwide$13A+
State Farm$15A++
Allstate$15A+
Prudential$16A+
Northwestern MutualN/AA++
Pacific LifeN/AA+
PrimericaN/AA+
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As you can see, life insurance is about $9-$12 per month. When you’re frequently involved in extreme sports, you could pay $10-$14 more per month.

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What type of life insurance policies are available for extreme sports?

High-earning extreme sports athletes can find sports insurance companies to accommodate the level of coverage they need. These are usually specialty insurance companies that have extreme sports insurance policies.

A standard term life insurance policy is recommended for people who occasionally or casually participate in extreme sports.

If you have a flexible budget, you can add life insurance riders to your policy to cover areas where standard term life insurance won’t cover. You can go a step further and buy whole life insurance.

How do you buy extreme sports life insurance?

You can get life insurance from several companies in the United States, but you’ll have to tell the life insurance agent about your lifestyle.

Don’t lie to an agent. You could jeopardize your life insurance eligibility if you’re dishonest about extreme sports activities or careers.

Once you find a company that will accept your request, you’ll be subject to a medical exam. After getting a medical exam approved, you’ll get a policy offer you can purchase.

Can a life insurance company deny coverage if I’m in extreme sports? The short answer is yes. Life insurance companies may deny your request if they believe your extreme sports career or hobby is too risky to insure.

What sports do life insurance providers consider extreme sports?

Bicycling, combat sports, motorsports, waters sports, and height-focused activities are considered extreme sports. Here’s a list of extreme sports that life insurance companies consider risky.

  • BASE Jumping
  • Big Wave Surfing
  • BMX Racing
  • Climbing
  • Flying (Wingsuit)
  • Free Running
  • Hang Gliding
  • Mixed Martial Arts
  • Scuba Diving
  • Skydiving

Some life insurance companies automatically approve cycling and combat sports even though they’re extreme sports. All other sports come with various types of questions.

Motorsports is one of the few extreme sports that’s excluded from life insurance automatic approval.

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What insurance companies specialize in extreme sports life insurance policies?

You can find coverage by shopping around with multiple companies that offer affordable life insurance for extreme sports:

  • Adventure Sports Insurance
  • American Visitor Insurance
  • American Alpine Club Insurance
  • World Nomads
  • SafetyWing
  • IMG Global
  • HCC Medical Insurance (Atlas International)

There are certainly more insurance options for extreme sports athletes, but you’ll need to search around for them online or through an agent. If you can’t find standard life insurance, try supplemental insurance or group life insurance through your workplace.

Life Insurance for Extreme Sports: What’s the bottom line?

One of the most frequently asked questions is can I find life insurance for extreme sports athletes. The overall answer is yes.

Although standard policies are hard to find for extreme sports, it’s possible to find a life insurance policy for any person, regardless of hobbies and profession.

Now that you know more about life insurance for extreme sports, use our free online quote tool below to compare the best companies in your local area.

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