
Unbeknowst to many people, your hobbies
actually can impact your life insurance rate, depending on what they
are. This isn't to say that knitters need worry about the
implications of a death-by-needles scenario when purchasing a policy.
That said, while some of the activities that raise your insurance
rates may come as no surprise to you, others may. Here are a few of
said activities:
- Aviation
- Vehicle racing – cars, bikes, or boats, for example
- Bungee jumping
- Cave diving
- Zip lining
- Hot air ballooning
- Parachuting
- Rock climbing and mountaineering
- Scuba diving
- Skiing
- Skydiving
- Surfing
- White water rafting
At this point in your reading, you may
be thinking to yourself, “but how would my insurance provider even
know? Especially if I only go ballooning once every other year? Do I
really have to disclose that?” You know the old adage that says
“honesty is the best policy?” we would add that, “honesty is
the best policy for your policy.” Failing to mention something like
this when purchasing your policy could actually jeopardize your
family's ability to claim your life insurance proceeds if you should
happen to pass away during a risky activity that was not disclosed at
the time the policy was made. Unlike sky diving, that's a whole lot
of risk without any thrill.
It has been a good resource of information for me in my research.
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