While a healthy lifestyle may earn life insurance discounts and preferred rates, some factors,
like risky hobbies or jobs, may result in higher rates.
It's mostly made up of health data — your current health, your family health history, and any potential future health issues (for example, obesity can increase your risk of diabetes)-- but also things
like any risky hobbies and your driving record.
While a healthy lifestyle may earn life insurance discounts and preferred rates, some factors,
like risky hobbies or jobs, may result in higher rates.
Not exact matches
But «
risky»
hobbies like rock climbing, skydiving, and scuba diving, along with vices
like drinking, smoking, and drug use can affect your rates.
Lifestyle: Drug or alcohol use and
risky hobbies,
like skydiving, are considered problematic.
If you engage in crazy,
risky hobbies like extreme dirt biking, your quote may be higher.
That's why they pull things
like motor vehicle reports and health histories from your doctor; they want to see what your health has looked
like and if you engage in any
risky hobbies.
Lifestyle: Drug or alcohol use and
risky hobbies,
like skydiving, are considered problematic.
With life insurance, the insurer takes into account things
like your health, family history, and
risky hobbies.
That means
risky hobbies,
like skydiving, or bad health habits,
like smoking, often lead to higher rates.
When you apply for life insurance, you don't have to list all your
hobbies like sewing or fishing, but there are typically questions that ask about specific «
risky»
hobbies.
While
hobbies like crocheting and hiking are nothing to worry about,
risky extracurricular activities can affect your life insurance rates.
Life insurance companies take into consideration your occupational hazards as well as
risky hobbies -
like flying or, in this day and age, any extreme sport.
You might also pay more for coverage if you're a smoker, work in a
risky job, such as in an oil refinery or as a pilot, or if you take part in high risk
hobbies like race car driving or sky diving.