Life Insurance for Skydiving
Over 100 Carriers to Quote From. Here are a few of them!
At Diversified Insurance Brokers, we help people get affordable, high-quality life insurance for skydiving coverage—even when traditional carriers view the sport as high-risk. With access to over 100 top-rated insurance companies and decades of experience in specialized underwriting, we know exactly which insurers are more favorable toward skydivers and how to present your application for the best results.
Life Insurance for Skydivers
If you’re an active skydiver, coverage is still possible—and often at better rates than you might think. At Diversified Insurance Brokers, we specialize in helping adventure-sport clients secure life insurance that protects their families without breaking the bank.
Speak with an expert who understands underwriting for extreme sports like skydiving.
How Skydiving Affects Life Insurance Underwriting
Life insurance companies will evaluate several factors when reviewing skydivers, including:
- Number of Jumps: Occasional hobbyists may be rated differently than competitive or professional jumpers.
- Experience & Training: Licensed jumpers with advanced certifications typically receive more favorable underwriting.
- Type of Jumps: Tandem, solo, formation, wingsuit, or BASE jumping all carry different levels of risk.
- Location & Conditions: Well-regulated drop zones with proper safety records may help reduce underwriting load.
- Other Risk Factors: Age, health, and lifestyle all play into the final premium offer.
Who This Coverage Is Best For
- Recreational skydivers making occasional jumps.
- Licensed jumpers with solid training and safety records.
- Competitive or frequent skydivers looking for honest underwriting.
- People declined elsewhere due to skydiving history.
Typical Life Insurance Outcomes for Skydivers
- Occasional recreational jumps: Standard or near-standard rates may be possible.
- Frequent licensed jumpers: Often see table ratings or flat extras ($2.50–$7.50 per $1,000 of coverage).
- Wingsuit or BASE jumping: Coverage may be available but at much higher premiums or with exclusions.
Every case is unique. We shop your application to carriers with the most favorable guidelines for skydivers and adventure sports.
Why Work With Diversified Insurance Brokers
- Access to 100+ A-rated carriers: We identify insurers more open to covering skydivers.
- High-risk underwriting expertise: We know how to present jump history and training in the best light.
- Custom-tailored coverage: Term or permanent policies designed to protect your family’s future.
- Personalized service: We work closely to minimize costs while maximizing benefits.
Example Case
A 35-year-old recreational skydiver with 20–30 jumps per year was initially declined by a direct-to-consumer carrier. We presented his licensing, safety record, and strong health profile to the right insurer. The result: a $250,000 20-year term policy approved with only a modest flat extra—saving him more than $400 annually compared to his first quote.
Take the next step: Complete our secure skydiving life insurance request form and let us shop the market for your best options. We also specialize in other high risk avocations such as race car driving and scuba diving
FAQs: Life Insurance for Skydiving
Can I get life insurance if I skydive?
Yes. Even for active skydivers, many carriers offer coverage. The premium and terms depend on how often you skydive, your training, jump type, safety record, and overall health.
How does skydiving affect premiums?
Skydiving adds risk in underwriting: frequent jumps, advanced or extreme jump types, wingsuit or BASE jumping all increase risk. Less frequent, recreational jumps tend to result in lower loadings (flat extra fees or table ratings).
What types of jumps carry the most underwriting risk?
Wingsuit, BASE jumping, and jumps done under non-standard or less regulated conditions are among the highest-risk. Tandem or well-certified solo jumps at regulated drop zones tend to be viewed more favorably.
Will my experience and certifications help lower my cost?
Yes. Licensed jumpers with safety training, good drop-zone reputation, many successful jumps, and no accident history generally receive better underwriting outcomes.
Does location or drop zone matter?
Yes. Skydiving at well-regulated, reputable drop zones with strong safety records often helps. Locations with minimal oversight or higher incident rates tend to increase premium loadings.
Are there coverage exclusions for skydiving?
Possibly. Some policies may exclude certain high-risk activities (e.g., BASE jumps or wingsuit flying) or impose waiting periods. Always review policy terms carefully for activity exclusions or restrictions.
What are typical outcomes for different types of skydivers?
• Occasional recreational jumpers often qualify close to standard or near-standard rates.
• Frequent licensed jumpers may face higher premiums via table ratings or flat extras.
• Wingsuit or BASE jumpers usually see much higher premiums or restrictions.
How long does underwriting take if I’ve skydived?
It depends on how detailed your jump history and training records are, as well as your medical history. If you can easily produce documentation, underwriting may be faster; complicated or extreme jump profiles tend to lengthen the process.
What can I do to improve my chances of a favorable quote?
Keep good records of your jumps, certifications, safety training, and incident history; stay healthy; limit high-risk jump types if possible; use reputable drop zones; and work with brokers or carriers that specialize in high-risk underwriting.
What if I was declined before due to skydiving?
You still have options. Different insurers have different underwriting criteria. Sometimes you can reapply later with better documentation or less risky activity. Simplified-issue or high-risk friendly carriers may be willing to offer terms others declined.
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