Skydiving & Life Insurance
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When you apply for life insurance, skydiving applications will need to detail how regularly you perform the activity in a given year and may also require details of any qualifications you hold and where you do the jumps (UK or abroad). Skydivers life insurance applications can be accepted at normal terms if the amount of jumps conducted in a year is less than 30.
There are some specialist insurers who will consider life insurance for parachute jumpers, if the number of jumps is less than 50 a year. Where the frequency of sky diving is higher than this, it is possible that your policy may be subject to a premium loading.
Critical illness cover pays out a cash lump sum of money, if you are diagnosed with a medical condition that is listed in the insurer’s claims set e.g. cancer, heart attack, stroke.
Critical illness insurance for skydivers is treat by many insurers in the same way as Life Insurance applications. The insurer will want to know the frequency of the dives and provided that this is less than 30 jumps per year, it is likely that favourable terms will be offered. Where skydivers critical illness insurance applications detail jumps of more than 50 per year it is probable that a premium loading may be applied to the policy.
Applications for parachuters may be subject to a total permanent disability exclusion but this is a relatively small aspect of the policy and should not deter you from considering the cover. Of course you should discuss this with a financial adviser before taking cover so you understand what cover you are being offered.
Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.
Income protection for skydivers can be available at standard terms. The insurer you approach will want to know how often you jump and whether it is for business or leisure. If you have had multiple injuries due to your skydiving activity, you may need to place your application with a specialist insurer.
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