Life Insurance on Avocation Activities

[newyorker55]

I have recently come across a client who participates in some activities that maybe frowned upon when it comes to life insurance.

The client has skydived once or twice in her life
SCUBA dives every so often when she is tagging turtles certified for tandem
Rock Climbs but not vertical climbs
Snorkels
Has gone swimming with sharks with a professional guide
Has zip lined in the past

She does not want any limitations in her policy based on her activities

Anyone have any suggestions? Or a company who may right her even as a standard risk? Please let me know

 

[NinjaNic]

I have recently come across a client who participates in some activities that maybe frowned upon when it comes to life insurance.

The client has skydived once or twice in her life
SCUBA dives every so often when she is tagging turtles certified for tandem
Rock Climbs but not vertical climbs
Snorkels
Has gone swimming with sharks with a professional guide
Has zip lined in the past

She does not want any limitations in her policy based on her activities

Anyone have any suggestions? Or a company who may right her even as a standard risk? Please let me know

Only issue is rock climbing. if ropes and gear looking at a flat extra charge. No questions on the apps about swimming with sharks/ziplining and such. If the scuba is infrequent and no deeper than 60'...it is a non issue (mention on the app and with a questionnaire but no impact on rating as long as you shop the case around).

 

[LGilmore]

From a quick glance, you won't get restrictions, but you won't get super preferred either..... What you should do with all these things is explain what safety steps she practices when doing these activities. Is she certified? Has she trained or taken education for these activities?

The way to present this person is from the safety side, not the braggart side. The underwriter is risk adverse, so when presenting show what she has done in these activities to show she practices safe methods when doing them.

A life insurance app is not a place to boast about these things. Hope that makes sense and good luck. Have had people who do dangerous activities before and have had success presenting them in the safest possible ways.

 

[mehdihasan693]

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