There are some life insurance carriers that specialize in insuring people considered high risk for life insurance due to their activities, lifestyle, of occupation.
For instance some people who work with explosives, demolition, high-rise construction or X-Sports may be considered a high risk for life insurance.
In addition, people with hobbies that include sky-diving, mountain climbing, surfing, motorcycle racing and race car drivers may be considered a high risk, as well.
You may have a better chance of getting term life insurance rather than permanent life insurance if you are high risk, because the life insurance is for a temporary period of time, usually up to 20 years.
If you are turned down for regular term life insurance you may have other options, such as, no exam life insurance, guaranteed acceptance li e insurance, or graded benefit life insurance.
Remember to review all exclusions that may apply to your life insurance policy to make sure your high risk hobby or occupation is covered.
Learn more about high risk life insurance.