How does life insurance work if you have a dangerous job or risky hobbies?
Answered by 2 licensed agents
Answered by Mark Bilgere on May 6, 2026
Agent Licensed in TX, IA, IN & 6 other states
For example, if you’re a firefighter, pilot, roofer, work in construction, or even spend weekends skydiving, rock climbing, racing motorcycles, or backcountry skiing, they’ll usually want to know how often you do it and what the actual risk level looks like.
Sometimes nothing changes. Sometimes your rate is a little higher. And occasionally there may be exclusions depending on the situation. It really depends on the company and the risk.
The biggest thing? Be honest about it. People sometimes think, “I just won’t mention my hobby,” but if something happened and it came out later that important information was left off the application, it could create headaches for your family during a claim.
The good news is a good agent usually knows which carriers are more friendly toward certain professions or hobbies, so one company saying “that’s expensive” doesn’t always mean they all will.
I always tell people: don’t assume you won’t qualify just because your life is a little adventurous. It’s worth having the conversation first.
Answered by Allen McGirl on May 11, 2026
Agent Licensed in CO, AK, AL & 37 other states
Tags: Eligibility Rates and Costs
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