These Sports That Make Getting Life Insurance Hard

Among the questions I've received over the years is "Will my sport trigger me issues in purchasing new life insurance?" The answer in many cases is no, however there are some hobbies that might be an issue for the underwriters in the insurance company.

Here is a list of seven high-risk sports that are bothersome when it comes to getting life insurance.

1. Free running. Free running is jumping from roof to roofing system at maximum speed. No ropes, no parachute, no insurance. Free running is practiced in urban areas that include lots of railings and concrete walls for participants to jump, flip and tumble over in an acrobatic style. I call it run, leap, bleed.

2. Ice climbing. Unlike their mountain-climbing counterparts, ice climbers remain in continuous threat of causing a self-inflicted stab injury from among their razor-sharp crampons, which is their No. 1 source of injury. Not to mention the possibility that the ice they are climbing may crack and take them down with it.

3. Heli-skiing. A skier is dropped from a helicopter onto fresh white powder in a remote area of the mountains, a location where there is no other method to get there. There's a possibility of starting an avalanche or falling through an ice patch, and if you do, it may be near impossible to get rescued.

4. Street luge. Loosely explained, this is the equivalent of lying on your skateboard and having your good friend push you down Lombard Street in San Francisco. Riders on street luge boards can reach 70 miles per hour.

5. Cliff diving. Have you thought about jumping off a 90-foot cliff? Into water that will seem like concrete when you struck it? The biggest problem is not meeting the water, due to the fact that you may hit the side of the cliff en route down; or slam against the rocks in the ocean below you. You might also break a hip or incur a spinal cord injury by landing feet initially in the water. If it was me, I would die of a cardiovascular disease on the way down.

6. Base leaping. Speak about ridiculous! I don't like looking down from a tall structure, and I certainly have no desire to jump into the unknown from any height. Yes, I can keep in mind when I was a kid and wanted to fly like superman, but a base jumper? No way. By the way, base-jumping is unlawful in the U.S., unless it's being carried out by a professional at an occasion, so not only will you not get insurance, but you might wind up in jail.

7. Big-wave surfing. Surfers imagine riding the "huge" wave and are willing to circumnavigate the world to catch one, and by huge I indicate the 50-foot monster. What are the threats? Damaged bones, drowning, shark attacks. No thanks. I will enjoy this on TELEVISION.

So yes, there are sports for which only the really brave or foolish need to participate in, but if you do, do not expect to purchase preferred-rated life insurance or maybe any life insurance.

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