Life insurance is one of the most valuable financial assets an individual obtains in his or her lifetime.

2. Life insurance is one of the most valuable financial assets an
individual obtains in his or her lifetime. Certain occupations that
involve high-risk bodily activity require special insurance
policies for obtaining and continuing employment. In some
cases, life insurance is unattainable due to the nature of the
activity and the most common ones are listed below.

3. The risk of dying in a hang gliding accident is 1 in every
115,000. These odds are more frequent than being struck by
lightning or dying in a commercial airline flight. Pilot error and
faulty equipment are the main contributors to the deaths of
hang gliding enthusiasts, so obtaining a life insurance policy
is either too rare or too expensive.

4. This age-old sport has been the number one activity for thrill
seekers, but the monthly premiums on avid climbers are
exorbitant. Loose and/or protruding ice or rocks, falling, and
avalanches are the main causes of death for mountain
climbers, causing life insurance premiums to increase up to
$5 per $1000 of coverage.

5. Numerous causes of death are associated with scuba diving
include equipment failure (e.g. oxygen tank malfunction),
improper ascent or descent (resulting in fatal injury), and
cardiac arrest. Life insurance policies are obtainable, but
premiums are at least $5 higher per $1000 of coverage as long
as divers do not swim deeper than 150 feet. Any divers who
explore deeper than that are usually denied coverage.

6. Inoperable parachutes and other equipment malfunctions are
the biggest causes of death in skydivers. High insurance
premiums are part of the package if an individual is
considering engaging in this type of sport, and some
jurisdictions may not issue policies to participants.

7. During pilot training and certification, individuals are educated
on the many risk factors (e.g. equipment malfunctions, pilot
errors, etc.) that would account for high insurance premiums.
Since 9/11. the issuing of life insurance policies has been
subject to tighter governmental regulations, so the number of
insured flight pilots has decreased dramatically in the past
decade.

8.  Free Running (running and jumping from rooftop to rooftop
at very high speeds), Base Jumping (jumping from very
high elevations to the ground), Cliff Diving, Recreational
Boating, and Big-Wave Surfing (professionals are exempt).
Most high-risk sports that require training and certification
either have insurance options included in the certification
process or have a waiver of responsibility which requires a
signature. Interested parties should contact their nearest
licensed insurance agent to explore their coverage options
before participation.

9. Contact Us
Address: 5945 Mission Gorge Rd. Ste 6-7 San Diego, CA
Website: http://americantristarinsurance.com/
Phone: 619.325.0326