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

  • Certain climbing activities can make you high-risk
  • Young male climbers account for the majority of injuries and accidents
  • Climbing clubs and organizations offer discounted life insurance options for members

Rock climbing is a fast-growing pastime in the US. If you are preparing to purchase life insurance, it’s important to know how to find the best life insurance for climbers.

Whether you are searching for term or permanent life insurance, you are bound to discover that some hobbies can increase your premiums. Climbing can be one of these, depending on several factors.

Keep reading to learn more about how climbing may affect your life insurance rates.

Want to start looking for life insurance for climbers right away? Enter your ZIP code above, and we will help you find local life insurance companies for climbers to meet your needs.

Does being a rock climber mean my life insurance rates will be higher?

The short answer is that it depends on what type of climbing you do. Are you an indoor climber? Do you go bouldering? Are you a mountain climber?

Each of these different activities comes with its own unique risks and will be regarded differently by your life insurance company.

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What types of rock climbing can make you high risk?

According to a study of rock climbing accident statistics posted in the National Library of Medicine, the majority of climbing accidents are suffered by young male climbers.

The study also noted that falls accounted for the majority of injuries suffered by rock and mountain climbers. The same article notes that the risk of injury varies widely between climbing types.

Bouldering and ice climbing are shown to result in a high number of injuries. Another report noted that being a lead climber comes with more inherent risk when rock climbing.

These pieces of information and statistics are what life insurance companies use to help them decide how high risk your specific behaviors are.

To this end, prospective agents will likely ask you a variety of questions about what you do. Some of the biggest questions are what type of climbing you do, how long you have been doing it, and whether you are part of any certified club.

Because men suffer the most injuries, let’s take a look at term life insurance prices for the average 30-year-old man in excellent health. The policies below offer $100,000 in coverage over a 10-year term.

Term Life Insurance Rates for 30-Year-Old Males
 ProtectiveHaven LifeMutual of Omaha
Monthly Rate$7.28$8.38$10.28
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If these rates represent a healthy individual without any information about their climbing activities, a high-risk climber could see rates twice as large, if not more.

How can I find affordable life insurance for climbers?

A good way to find affordable climbing life insurance is to look into rock climbing clubs like the American Alpine Club.

The American Alpine Club insurance options include travel insurance and life insurance. These clubs can work with providers to create more affordable life insurance rates for members.

If the plans offered by the Alpine club or other clubs like it are not available or in your budget, the next best thing is to go comparison shopping for life insurance quotes.

Take the time to get online life insurance quotes from multiple companies and compare each. Check the coverage provided and the monthly premiums to make sure you are getting the best deal.

Are you ready to find affordable life insurance for climbers? Enter your ZIP code below, and we will help you find the perfect life insurance provider today.