High Risk Non Standard Life Insurance

With the accidental death Sunday of Babu Chhiri, the 35 year old who made the quickest trip up Mount Everest, many recreational hikers, skiers and mountain climbers may consider buying life insurance to offset the risk involved in their sports.

Many that are into high risk activities are also in excellent physical shape, and are perplexed that insurance companies would increase their rates, or may decline them altogether. Even though they are standard or excellent risk health wise, the company calculates loss from their play time activities into the premium.

Consumers need to go with the appropriate company the first time around, and make sure the carrier is aware of your activates before applying. It can take one to three months for a low risk provider to decline your application or make a re offer (raising your premium), then no other company will accept you.

Some people feel they can omit their activity from a life application. If they do that and die within the first 2 years of the policy, the company may contest the claim for misstatements.

Consumers should also use an independent agent, who is familiar with high risk cases. They aren't beholding to any one insurer.

4burialinsurance.com is a consumer organization that helps high risk life insurance shoppers get coverage. They match buyers with local non standard life specialist, even if they have been turned down for coverage elsewhere.

Contact Us - Resources - Sitemap