Does My Life Insurance Cover Skydiving?

  1. 37376 POINTS
    David G. Pipes, CLU®, RICP®
    Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
    When you applied for the life policy you probably had to indicate if you were involved in skydiving.  If at the time that you completed the application you answered that truthfully and the company did not exclude skydiving from your policy, you are probably covered.  If there isn’t an exclusion for skydiving and the policy is more than two years old, you are probably covered.  The statements on an application are “representations” and must be factually correct to the best of your knowledge.
    Answered on May 9, 2014
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  2. 14231 POINTS
    Tom Sheehan
    Agency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482
    If you already own a life insurance policy that has been in force for a while and  you are about to involve yourself in skydiving for the very first time, then yes.  If you have been actively skydiving for quite some time and  applied for your policy during that time, and fully disclosed that you are a recreational skydiver, and the company accepted your application having been truthfully advised, then yes as well.  If however you applied for your life insurance and lied about being  recreational skydiver, thus not fully disclosing material information to our insurance carrier, I'd stay in the plane if I were you.
    Answered on May 9, 2014
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