Jeffrey Manola is an experienced life insurance agent and the founder of Top Quote Life Insurance. His mission when he created Top Quote Life Insurance was to provide online consumers searching for life insurance with the absolute best quotes for term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance. Not only does he strive to provide you with the ...

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Written by Jeffrey Manola
Founder & Licensed Agent Jeffrey Manola

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 insur...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Jun 30, 2022

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Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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Facts You Should Know

  • Your monthly rate will depend on your age, health, and how frequently you participate in extreme sports
  • Life insurance quotes for extreme sports athletes are more expensive than average
  • Some extreme sports have life insurance contracts before athletes compete

Life insurance for extreme sports is just as important as health insurance. Although chances of accidental death chances are lower than motor vehicle accidents, life insurance covers the gaps if the worst-case scenario happens.

Life insurance policies are still available for extreme sports enthusiasts but at a much higher rate than usual. But why?

Extreme sports are high-risk activities that life insurance companies reconsider when writing life insurance. Some companies deny your life insurance request altogether.

Read through this short guide to learn how to buy term life insurance quotes 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 the top insurance companies near you.

How much are life insurance rates for extreme sports?

On average, life insurance for policyholders in their 20s is about $8 per month for females and $9 per month for males. As you get older, life insurance increases as you enter the next decade.

Check out the average monthly life insurance rates for 20-year term life insurance policies.

Average Monthly 20-Year Term Life Insurance Rates by Age, Gender, and Policy
Policy and Gender20's30's40's50's60's70's
$100,000 Policy Average Monthly Rates for Females$8$8$10$18$37$157
$100,000 Policy Average Monthly Rates for Males$9$9$11$22$53$208
$250,000 Policy Average Monthly Rates for Females$12$12$15$32$78$382
$250,000 Policy Average Monthly Rates for Males$13$13$19$41$110$412
$500,000 Policy Average Monthly Rates for Females$17$17$25$57$145$730
$500,000 Policy Average Monthly Rates for Males$20$20$33$74$206$805
$1,000,000 Policy Average Monthly Rates for Females$28$29$50$114$295$1,406
$1,000,000 Policy Average Monthly Rates for Males$35$38$58$144$407$1,547
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Life insurance is the cheapest for policyholders under 50. If you participate in extreme sports, a life insurance company may add at least $10 to your monthly premium.

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How do I buy life insurance for extreme sports?

You can get extreme sports life insurance from specialty insurance companies in the United States, but a life insurance company that sells traditional life insurance is just as good.

Once you find a life insurance company that will accept your request, they’ll ask you to take a medical exam. After approval, you’ll get a life insurance policy offer.

Can a life insurance company deny coverage if you’re in extreme sports?

The short answer is yes. Life insurance companies can deny your request for a policy if they believe your extreme sports career or hobby is too risky to insure.

What life insurance policies are available for extreme sports?

Term life insurance policies are the most cost-efficient for customers. If extreme sports is a hobby, it’s likely to have a slight effect on your monthly life insurance rates.

Career-level extreme sports athletes pay more for life insurance. Therefore, athletes in extreme sports focus their effectors on sports insurance companies to accommodate the level of coverage they need.

You can even customize your term life insurance policy with riders. Accidental death & dismemberment, and disability riders are essential if you’re in extreme sports.

What sports do life insurance providers consider extreme sports?

Here is a list of activities that life insurance companies consider extreme sports.

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

Bicycling and combat sports often come with life insurance contracts. It all depends on the organization.

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

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What life insurance companies specialize in extreme sports?

Sometimes the best life insurance companies for extreme sports aren’t the well-known life insurance brands. There are several companies out there, but here are a few that deal with extreme sports and activities.

  • Adventure Sports Insurance
  • American Alpine Club Insurance
  • HCC Medical Insurance (Atlas International)

If you can’t find standard life insurance, try group life insurance through your workplace. Group life insurance is one of the many benefits of working full-time at a company, so it may not be available to part-time workers.

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

Life insurance for extreme sports athletes is one of the most frequently asked questions. Extreme sports are more popular than ever.

Some life insurance companies are coming around. However, new innovative life insurance companies insure alternative sports like free-running – providing life insurance solutions where other companies won’t.

Permanent quotes aren’t practical for extreme sports hobbies, but term life insurance is perfect for any extreme sports athlete.

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