Skydiving and Life Insurance

Can I get life insurance if I enjoy skydiving?

Sky diving seems to be more popular than ever these days. The hobby is enjoyed by people of all ages. But, when an individual is involved with skydiving it can make finding affordable life insurance a bit more difficult.

Hobbies such as skydiving, race car driving, mountain climbing are considered by the life insurance industry as high risk activities. But, it is important to remember that not all life insurance companies evaluate risk the same.

Typically, someone who participates in sky diving is insurable if there are no other circumstances that might rule them out such as medical history, height/weight, etc.

With that said often times the insurance company will want to place an extra premium surcharge on the policy to cover the risk of the sky diving.

How to determine the rates for skydiving?

In trying to determine the rates an insurance company will charge for someone who skydives the insurer will first want to know the answers to several questions. Below are the typical questions a life insurance carrier would need answered before determining if a policy is available for skydiving.

  • Date of birth?
  • Do you belong to a club affiliated with the United States Parachute Association? If yes, which affiliation do you hold, amateur of professional?
  • Do you follow the regulations and safety standards established by the United States Parachute Association? If no, please explain.
  • How long have you been skydiving?
  • Number of jumps last 12 months?
  • Number of jumps in last 1-2 years?
  • Do you take part in exhibitions or competition? If yes, need description and nature of the events.
  • Do you receive remuneration for skydiving activity?
  • Are you an airplane pilot or intend to become one? If yes, need details on aviation activities.

In addition to the answers to the above questions it is also important to have other details such as:

  • What amount of protection do you require? 
  • What plan of coverage are you looking for? I.E. Term or whole life coverage
  • Have you used any tobacco products in last 5 years?
  • Are you currently taking any prescription medications?
  • Do you have any other major health conditions such as diabetes, heart disease, etc.
  • Current height and weight?

How to find the best carriers for coverage?skydiving and life insurance

In order to find the carriers with the best rates for those who participate in skydiving you need to work with an expert agent. An expert agent who has experience and knowledge will save you money and time in shopping for the lowest rates.

Fortunately, you have landed on this page. We have 30 plus years of experience working with individuals who have special risk life insurance needs. We know the top carriers to speak with. We know which carriers offer the best policies for your situation.

How we can save you time and money?

With the answers to the questions provided above we then go to work in locating the company in the industry that will offer the lowest rates. By informally shopping your coverage via telephone and e-mails direct with the underwriters, we can then come back to you with the lowest rates. This saves you time from calling around different agents and having to fill out applications for multiple insurers.

As an independent agency with dozens of carriers to choose from and with the carriers that are experts in skydiving we do all the heavy lifting for you. This process makes purchasing life insurance for special risk situations much easier.


If you are in the market for life insurance and participate in skydiving contact the experts at 1-888-393-9003 or Thank you for reading this blog

For a FREE quote

Call, text, email or fill out our instant quote form:

Call: 678-207-8160
Text: 678-207-8160
Instant quote form: Click here

How can I help?

Mike Raines

I am an independent life insurance agent with over 30 years’ experience. I am an expert in finding coverage for those with past or current medical history such as heart disease, diabetes, post cancer, etc. I also specialize in those that participate in scuba diving, mountain climbing, private pilots, etc. I work with the best life insurance companies in the nation, such as Prudential, AIG, Protective Life, Transamerica to name a few. Each carrier has different opinions on rates and underwriting, and it is my job to match you with the best company. To do that, I need to ask you a few questions about your health and lifestyle to qualify you.

For a FREE quote, call, text or email:

Call: 678-207-8160

Text: 678-207-8160


Mailing Address:
3482 Keith Bridge Road Suite #125
Cumming, GA 30041


I tried several places before I came across Mike’s website. The insurance at these other places was either very expensive, or the company wouldn’t cover me because of my health history. Mike was able to find me a reasonably priced policy with a major insurer. He did a great job locating a policy that works well for me.

- Jeff from Hermon, ME.

As someone with a past cancer diagnosis, finding life insurance had been a huge annoyance. Mike made it easy, and somehow found quotes that were significantly more affordable than what others gave me.

- Matthew from St. Louis, MO.

Mike was extremely helpful in locating a life insurance company that would accept a preexisting condition at a reasonable price. He saved time by submitting health records to several companies for a quick preview then following up with the one who offered the most reasonable premium. He knows which companies are most likely to accept certain conditions. Throughout the application process Mike was very quick to respond to e mails and phone calls. We highly recommend Mike if you need life insurance and have a preexisting condition.

- Henry R. from Springfield, TN.

I could not be happier working with Mike Raines to get life insurance coverage for myself after having been declined for health reasons by my employer. My wife and I just had a son and it had become more imperative than ever that my family be protected if I were to pass away. The health screening appointment was conducted at my home around my schedule, which was very convenient. It was clear to me that Mike went above and beyond to make sure the underwriter fully understood my situation, going to bat for me so that I would not be declined again. I am a very happy customer.

- Daniel S. from Seaside, CA.

It’s not easy to find life insurance with a chronic condition such as crohn’s disease which is why I greatly appreciated having Mike on my team. Mike is responsive, patient, professional and indefatigable- all things you need when you’re looking for a competitive policy. Knowing my family will be taken care is not only a relief but a huge confidence boost and I’m thankful Mike works in the special risk insurance arena. I would absolutely work with him again. Thank you Mike!

- Bobby from Washington D.C.

Mike did an outstanding job getting me my coverage. He went above and beyond answering all my questions. He always returned my calls immediately even on the weekends!!! I highly recommend him.

- Aileen from Woodstock, GA.

Mike and Special Risk Term are absolutely top shelf! I was worried that I would not be able to get term life insurance to protect my family, or that the costs would be exceedingly high.

Mike knew the industry inside and out and knew which companies would provide the best options. He coordinated with the underwriters to get the job done and get me an affordable plan, and kept me updated throughout the entire process. Not to mention he did it all electronically in the age of COVID without ever having to meet in person. Highly recommend. Excellent service and expertise!

- Chris M. from Laguna Niguel, CA.

Mike and his team did an extra ordinary job of handling my life insurance situation.  I was unable to secure life insurance because I had cancer 17 years ago however Mike and his team navigated through the challenges to get me a 15 year policy at great monthly rates. Thank you Mike for all your work in in this challenging situation.

- Nathan S. from St. Paul, MN.

As part of the process of buying a new business, I needed life insurance. However, my congenital heart defect made agents squirm over the phone. Then I found Mike, who not only understood my situation, but found two solutions for me. Within a week, I had confirmation of an AD&D policy and a Term Life policy…all at very reasonable rates. The sense of relief can’t be underestimated. Thank you, Mike!

- Heather G. From Crestview, Fl.

Thank you very much, Mike, for all your help in this long process. I know it wasn’t easy, but I appreciate you not giving up on my application and helping provide peace of mind to me and my family.

- Craig S. from Savannah, Ga.

We work with individuals across the nation to secure the best life insurance rates.

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