Sky Diving life insurance, critical illness cover and income protection experts
We are a team of specialists and experts in helping people who take part in extreme sports or dangerous hobbies which includes people looking for life insurance, critical illness cover and income protection for sky diving. Any sports involving any form of aviation or extreme heights such as parachuting would require additional underwriting for life insurance, critical illness cover or income protection due to the additional risks involved. We find that most applications we see for Parachuting & Sky Diving life insurance, critical illness cover and income protection are offered at anything from standard rates with no exclusions up to slightly increased premiums and some exclusions.
If you take part in an extreme sport such as Parachuting & Sky Diving and you need to consider life insurance, critical illness cover or income protection then you should make sure that you have all the information you need. It is important to consider all of your options to ensure that you get the right cover to protect yourself, your family and your home in case anything happens to you.
Types of Parachuting & Sky Diving:
- Tandem Sky Diving
- Fixed Line Sky Diving
- Sky Diving instructor
- Base Jumping
- Professional Sky Diving (Displays)
- Freestyle Sky Diving
- Wing Suit Flying
More about Sky Diving life insurance
For most people taking part in any parachuting or sky diving activities looking for life insurance, they will find that if they only jump a few times each year and if they are a recreational sky diver then they will normally be accepted at standard rates. The main reason why there would be an additional premium loading for specialist life insurance for sky diving is if there are a higher number of jumps per year and for more professional activities or instructing. The key points which would be considered when underwriting sky diving insurance cover include:
- How many jumps per year on average
- Where do you go to sky dive
- What type of sky diving do you do
Some other standard factors which would be taken in to account to determine the cost of your Parachuting & Sky Diving life insurance are:
- How much cover you need (sum assured)
- Length of your policy (years)
- Which type of life insurance cover
For more information about Parachuting & Sky Diving life insurance you should contact one of our insurance advisers who will help you to find the cover you need.
Sky Diving critical illness cover
It may also be possible to get Sky Diving critical illness cover with no exclusions and at the insurers standard rates where the number of jumps are below a certain number and non-professional. If you take part in a larger number of jumps per year then you may find that there could be some additional premium loadings or you may find that certain policy exclusions may be applied.
Possible exclusions for Sky Diving critical illness cover are:
- Any injury or health issues connected to Sky Diving
- Total and Permanent Disability
Premiums you will pay for Sky Diving critical illness cover will also depend on other standard criteria which include whether you smoke, your general health and any other medical conditions.
Sky Diving income protection
It is also very possible to get Parachuting & Sky Diving income protection cover which can often be offered at standard rates for most recreational sky divers. If you take part in more regular activities then you may find that premiums are slightly increased as well as possible policy exclusions. Insurance underwriters will also want to know whether you have had to take much time off work in recent times.
Overview of Sky Diving life insurance, critical illness cover and income protection
For advice about Parachuting & Sky Diving life insurance, critical illness cover and income protection or a quote then you can contact one of our expert advisers who are able to help.