Lifestyle

How to Get Best Life Insurance Rates for High Risk Lifestyles or Occupations

Are you an adrenaline junky? Do you like jumping out of perfectly good airplanes with nothing but a nylon parachute strapped to your back?

Or are you in a hazardous line of work, like a fire fighter, bomb squad, or police officer?

There are so many fun and exciting things to do these days! So many adventures waiting to be had! If you are the type of person who enjoys an adrenaline rush from these and other activities, then the world is your oyster.

However, the Life Insurance World is not your oyster and you can use the experienced help to work your way through the life insurance application process.

Assessing the Risk Before You Get a Quote

There are many factors that go into acquiring a good life insurance rate. It isn’t as simple as plugging in information into an online life insurance quote engine or calling up a random insurance agent.

Your rating is directly related to your experience, your hours doing the activity, any accidents or incidents you may have had, that factor into the coverage that is available to you. A High Risk Life Insurance Expert can guide you to the best policy for your circumstance.

What are high risk lifestyles?

Any hobby or occupation that makes you more likely to face an untimely death.  There are many things that might fall into this category:

  • Skydiving
  • Scuba diving
  • Helicopter pilot
  • Private and Commercial Pilots
  • Motorcycle Rider
  • Rock Climbing
  • High Mountain Climbing
  • Oversees Security Officers
  • Off Road Vehicles
  • Deep Sea Fishermen
  • Explosives-Handler
  • Circus Acrobats, wild animal handlers/trainers

While all of these carry some form of risk, not all are equally risky. Every one of these hobbies/occupations has its own unique risk factors involved.

There are also several other factors that are considered when deciding on whether the hobby or occupation is high risk:

  • The number of times per year you participate in the activity
  • Your level training and certification
  • How much experience you have
  • Whether this activity is done by yourself or within a group of people

Professional Help Is Only a Call or Click Away

There are many questions a highly trained High Risk Life Insurance Expert would help assess the level of risk associated with your hazardous hobby or occupation. Then armed with your detailed activity description and a working knowledge of which insurance companies would offer more favorable rates, they can provide you the best policies for your unique situation.

Let us provide you a personalized strategy and guidance to help you complete the application questionnaire to your benefit. As highly trained High Risk Life Insurance Experts we know how to navigate the insurance application system. We know how to minimize risk and help you tell the truth about your situation.

It is in your best interest to speak with an experienced agent who knows the right questions to ask. As with most questions, it is vital to be honest and straightforward with your responses. Our experienced insurance agents can help you tell the truth as well as secure a reasonable rate for your active lifestyle or occupation.