Sentences with phrase «risky hobbies»

Likewise, people may participate in risky hobbies such as rock climbing, scuba diving, or sky diving.

While a healthy lifestyle may earn life insurance discounts and preferred rates, some factors, like risky hobbies or jobs, may result in higher rates.

Having a poor driving record, declaring bankruptcy, or participating in risky hobbies such as scuba diving or flying could also affect the cost of your premiums.

A: I love the question, but recommend you pursue a less risky hobby.

Some of these could include certain risky hobbies, occupations and even travel habits.

Simply put, they ask about risky hobbies when you apply.

It depends on how risky the hobby is — and how often you do it.

Or someone that might participate in a somewhat risky hobby and have a past somewhat major health condition.

This type of life insurance is usually less expensive than other options, but it may not be available for people involved in risky hobbies or risky careers.

While a healthy lifestyle may earn life insurance discounts and preferred rates, some factors, like risky hobbies or jobs, may result in higher rates.

Some of these could include certain risky hobbies, occupations and even travel habits.

Even those of us who enjoy riskier hobbies seem to be laying off the gas as we transition from adolescence to adulthood.

«We found those on the high end of this personality scale evaluated risk differently — they tended to smoke and drink more and have more risky hobbies.»

That means risky hobbies, like skydiving, or bad health habits, like smoking, often lead to higher rates.

And risky hobbies put your life at risk.

Similar to occupations, if you are paying more for your policy because of a specific risky hobby, but then stop doing said hobby, you can ask the life insurance company for a reconsideration.

Accepting a risky job or choosing risky hobbies indicate a willingness to take risks that other people do not have.

No exam life insurance may also be an option for people who work in «risky» occupations and / or who participate in risky hobbies such as skydiving, scuba diving, or other activities that a life insurance company may deem to be dangerous.

Someone who deep - sea dives or pilots a personal aircraft regularly places his or her life in much greater danger than those who pursues less risky hobbies.

They will look into your lifestyle habits — such as whether you have risky hobbies such as skydiving or if you are a private pilot — and they will even look at your driving record.

Factors like pre-existing medical conditions, risky hobbies or a dangerous job influence rates and availability of life insurance.

If you have a risky occupation or participate in a risky hobby, you might have a hard time getting life insurance that utilizes a complete underwriting process, even if you are healthy.

Lifestyle: Drug or alcohol use and risky hobbies, like skydiving, are considered problematic.

If you have a risky hobby or a medical condition, your life insurance premiums can soar.

If you have a risky occupation or participate in a risky hobby, you might have a hard time getting life insurance that utilizes a complete underwriting process, even if you are healthy.

You might be completely healthy, but have a risky hobby or job.

If your lifestyle includes more than one risky hobby, like Batman's, this is when the potential for rejection comes along.

Risky hobbies: Sky diving, car racing, mountain climbing, scuba diving, flying non-commercial aircraft

If you participate in a risky hobby or have a dangerous job, chances are you can still be approved for life insurance but you will have to pay higher premiums and maybe even have to pay what is called a «flat extra».

Life insurance companies need to know your occupation and if you participate in any risky hobbies.

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.

If you don't reveal your risky hobbies on your insurance application, your insurer can deny your claim or cancel the payout.

With life insurance, the insurer takes into account things like your health, family history, and risky hobbies.

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.

If an applicant is likely to die while their policy is in place, whether because they're elderly, have a chronic health condition, or take part in risky hobbies, they'll pay more than someone who is likely to outlive their policy.

That may be if they suspect that you were less healthy than you let on during the application process, or if you had risky hobbies that you failed to mention.

For example, if you want $ 100,000 worth of coverage, consider getting $ 50,000 in exclusion rider coverage and taking out a second policy for another $ 50,000 that includes your risky hobby.

Contact groups associated with your risky hobby to see if they have any affiliations you can take advantage of.

If it's high, because you have risky hobbies, a family history of health conditions, or are just currently unhealthy yourself, your rates will be similarly high.

Some insurers are more open - minded than others when it comes to risky hobbies, so it pays to shop around.

There are no hard - and - fast rules for what you would pay for life insurance if you participate in one of these risky hobbies.

Despite the fact surfers may enjoy the waves in bodies of water that are relatively mild (such as a river in the middle of Munich), to insurance companies, surfing is a risky hobby.

If you're in other than ideal health, or have a risky hobby / occupation, then the lowest rate on the quote engine may not be the lowest quote for you.

Another potential candidate for a no medical exam life insurance policy is someone who may have either a «risky» occupation and / or who participates in a risky hobby.

As an example, if an applicant is a 30 - year - old with no health issues, doesn't participate in any risky hobbies, and has a steady job as a pre-school teacher, the life insurance company is going to assume that this person is far off from death.

Because the cost of premiums for life insurance is based on your age and medical history, some people may intentionally misrepresent certain aspects of their health and lifestyle, such as hiding facts related to a hazardous occupation, risky hobbies or unhealthy habits.

What we mean: Life insurance companies are in the business of evaluating risk (think age, health conditions, risky hobbies, etc.).

By contrast, most life insurers have tough underwriting standards that may include dozens of questions about your health over the past 10 years, an inventory of your prescriptions, your driving and credit records, risky hobbies, your weight and blood pressure, plus blood and urine samples.