7 Sports That Make Getting Life Insurance Hard (or Impossible!)


While we tend to think of sports as activities that ultimately improve our health, there are some extreme sports that are so dangerous that insurance companies may turn you away for practicing. While most sports won’t get you excluded from an affordable insurance plan, the seven sports below are deemed high risk activities and may make it hard (or impossible!) to get a decent life insurance rate. 

Base Jumping

Base Jumping is one of the riskiest sports a person could try, so it’s no surprise to learn that insurance companies won’t be too keen on covering you if this sport is on your list of extracurricular activities. Base Jumping involves jumping off of a cliff or building while parachuting or gliding in a wingsuit, providing plenty of thrills for people who perform this sport. In addition to getting turned away by insurance companies, participating in Base jumping is illegal in the US unless it is being performed as part of an event by trained professionals, so this sport could carry legal ramifications if practiced without the proper authorization to do so. 

Street Luge

Street luge is another extreme sport that could impact your ability to find an affordable insurance plan. This sport involves a rider who lies down on a luge board, which is similar to a skateboard but longer, and propels themselves down a paved road. Street luge riders can reach speeds of up to 97 mph, so it’s no surprise that insurance companies are quick to deny applicants who practice this dangerous sport.

Cliff Diving 

If diving from 80 foot cliffs is your idea of a good time, don’t be surprised when you have trouble finding the right insurance plan. The high risk involved in pulling off this sport is obvious, as it involves extreme physical challenge to divers that are likely to result in serious injury and even death. Because of the severe danger of cliff diving, swimmers will have to choose between plunging into the uncertain depths below and a reasonable rate from their insurance provider. 

Free Running

Free running is one of the most insane sports on this list. Inspired by military parkour practices, free running involves running and jumping from surface to surface in urban environments, such as rooftops, rails, and walls. Because of the sometimes undisciplined nature of free running, practitioners run a high risk of severely injuring themselves, and insurance companies will be sure to run the other way. While this sport may look impressive from a distance, you may want to drop it for a better insurance deal. 

Ice Climbing

While mountain climbing presents enough risks in and of itself, climbers with a more daring edge have taken to walls of ice for sport. Ice climbing involves climbing up frozen waterfalls, icefalls, and other frozen bodies of water using ropes, crampons (special devices attach to the bottom of footwear), and perhaps an ice axe. In addition to the obvious perils such as falling and freezing to death, ice climbing presents risk to practitioners in the form of sharp gear, the most dangerous of which are the spiked crampons that are critical to the sport. Climbers who prefer to spend their time in ice structures will likely struggle to find a cost friendly insurance option. 

Big wave surfing

Big wave surfing involves gliding over waves at least twenty feet tall on special surf boards called towboards. This sport involves great discipline and skill in the water, but is accompanied by inherent risks that won’t make your insurance bill happy. Broken bones from crashing waves, drowning, and shark attacks are all possible scenarios that make big wave surfing intrinsically dangerous, so it’s understandable that this sport won’t be doing you any favors in the insurance department. Because surfers can be slammed up to 50 feet under water if swept up by a wave, the insurance industry views big wave surfing as a very risky practice. 


Heliskiing as an alternative snow sport that involves a skier being dropped into remote, usually unreachable locations by a helicopter. While heliskiing allows skiers to reach terrain that a ski lift can’t, this opens practitioners up to increased danger. Skiers could cause an avalanche upon hitting the ground after jumping from the helicopter, and skiing in unknown areas increases the chances of falling through the ice into a crevice. Because of the immediate dangers associated with practice this sport, insurance companies won’t be too eager to provide you with a preferable rate.