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The Five Most Common “Risky” Hobbies That Underwriters See

When determining life insurance approval and how much an applicant has to pay, risk class is the deciding factor.  The person who reviews and evaluates an application and determines an individual’s risk class is an underwriter.  Your health is one of most obvious factors that determine your risk class, but another little-known factor is avocations, or hobbies.

When you apply for life insurance, you don’t have to list all your hobbies like sewing or fishing, but there are typically questions that ask about specific “risky” hobbies.  In this blog post we’re going to review the top five most frequently encountered hobbies that can affect your insurance pricing.

  • SCUBA Diving
  • Mountain Climbing
  • Back Country and Heli-Skiing
  • Skydiving / Hang Gliding / Paragliding
  • Racing
  • Note: These avocations only affect the purchase of new life insurance.  If you already have an active life insurance policy and start participating in any of these sports afterwards, your rates will not and cannot be changed.  This is one of the benefits of buying life insurance early so you can lock in low premiums.

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