Best life insurance for people who play sports

When analyzing life insurance providers, we assess the insurer’s reputation in the industry, as well as its product lineup, rider selection and underwriting standards. To determine industry reputation, our editorial team researches each company’s financial strength, accreditations and ratings, and reads customer reviews.

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Best for extreme sports and other high-risk activities: Mutual of Omaha

Finder Rating: 3.5 / 5

★★★★★

This brand isn’t available on Finder right now. Get quotes from similar companies Read review

$2,000 – $500,000+
Coverage range

18 – 68 years
Issue age

10, 15, 20, 30 years
Term lengths

• Info
• Features
• Details

Mutual of Omaha doesn’t officially specialize in life insurance for extreme sports and high-risk activities, but you’d be forgiven for thinking that. Its competitive rates and lax underwriting guidelines allows most thrill seekers to buy a policy, regardless of sport or hobby. It also offers permanent life insurance, including a guaranteed issue whole life policy that functions as final expense coverage.

• Competitive rates for people involved in sports and high-risk activities.
• The company is financially strong, meaning you can rest assured that claims will be paid.
• Universal life policies offer permanent protection with flexible premiums and cash value growth.

Coverage range	$2,000 – $500,000+
Term lengths	10, 15, 20, 30 years
Issue age	18 – 68 years

Best for people okay with exclusions: Principal

Finder Rating: 4.5 / 5

★★★★★

This brand isn’t available on Finder right now. Get quotes from similar companies Read review

$200,000 – $5,000,000
Coverage range

20 – 70 years
Issue age

10, 15, 20, 30 years
Term lengths

• Info
• Features
• Details

Principal takes a different approach to people involved in sports and high-risk hobbies by excluding those activities. You’ll have coverage the rest of the time, but your benefit won’t be paid out if you passed away while playing the sport or due to an injury from it. The benefit of this is Principal won’t charge you higher rates for being involved in those activities.

• Rates aren’t higher for sports since those activities are excluded.
• Fast approval process of 15 days or less.
• Convenient online portal allows you to view your policy and pay your premium.

Coverage range	$200,000 – $5,000,000
Term lengths	10, 15, 20, 30 years
Issue age	20 – 70 years

Best for people wanting to give back: Foresters Financial

Finder Rating: 4 / 5

★★★★★

This brand isn’t available on Finder right now. Get quotes from similar companies Read review

$10,000 – $500,000+
Coverage range

18 – 85 years
Issue age

10, 15, 20, 25 or 30 years
Term lengths

• Info
• Features
• Details

Foresters Financial will contribute an amount of its own money equal to 1% of your death benefit to the charity of your choice if you pass away while the policy is in force.

Foresters offers standard term life insurance options and has lenient underwriting guidelines that mean it’s easier to get a policy if you play sports. It also offers various member benefits, such as discounts on financial and legal services, emergency grants and terminal illness loans.

• Donation equal to 1% of your death benefit to the charity of your choice.
• Underwriting allows sports and other high-risk activities.
• Local agents provide personalized service.

Coverage range	$10,000 – $500,000+
Term lengths	10, 15, 20, 25 or 30 years
Issue age	18 – 85 years

Best if you have a medical condition: Bestow

Finder Rating: 4 / 5

★★★★★

Get a quote securely at Bestow Life Insurance Read review

$50,000 – $1,500,000
Coverage range

18 – 60 years
Issue age

10, 15, 20, 25, 30 years
Term lengths

• Info
• Features
• Details

Have a pre-existing condition from being active like tennis elbow or knee pain? You can get a quote and sign up online without getting a medical exam, plus enjoy some of the best rates and high maximums on term life insurance for no-exam policies. However, you won’t be able to get a policy if you’re over 60 or live in New York state.

• $1.5 million max, no medical exam required
• Easy online quotes and signup
• Cheap, basic coverage with few add-ons to pay extra for

• No cancellation or annual fees

Coverage range	$50,000 – $1,500,000
Term lengths	10, 15, 20, 25, 30 years
Issue age	18 – 60 years

Best overall life insurance company for sports: Prudential

Finder Rating: 3 / 5

★★★★★

This brand isn’t available on Finder right now. Get quotes from similar companies Read review

$100,000 – $10,000,000
Coverage range

18 – 75 years
Issue age

10, 15, 20, 30 years
Term lengths

• Info
• Features
• Details

Prudential is a financially strong insurer with classifications that serve many types of people — including athletes. Prudential offers a variety of plans, but its specialty is term life insurance. Outside of its more lenient underwriting standards, Prudential also has a number of riders to customize your policy with.

• Offers a term policy that covers you until age 65, no matter what age you are now.
• Term policies can be bought as a return of premium or annual renewable policy.
• Flexible and lenient health classifications allow for different health conditions and athletic activities.

Coverage range	$100,000 – $10,000,000
Term lengths	10, 15, 20, 30 years
Issue age	18 – 75 years

Customer reviews

We looked to the Better Business Bureau (BBB) to help us determine customer service levels and find customer reviews for each life insurance provider. Ratings and reviews reflect each company as a whole, not solely its life insurance component.

Bottom line

Playing sports can make finding affordable life insurance more difficult than it should be with many providers, but it’s not impossible. Try getting a quote from life insurance companies that have more lenient underwriting guidelines and consider asking to exclude coverage relating to injuries caused while playing your sport, if you’re comfortable with that.

Before deciding on a life insurance provider, be sure to check out our list of the overall best life insurance providers.

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Name	Product	Issue age	Minimum Coverage	Maximum Coverage	Term Lengths	Medical Exam Required
Policygenius		18 - 85 years old	$50,000	$10,000,000	10, 15, 20, 25, 30 years	Depends on provider and policy	Compare 12+ top insurers side-by-side to get the best possible deal, and shop return of premium policies online.	Go to site More Info	Compare	loading Fetching your data...
Bestow		18 - 60 years old	$50,000	$1,500,000	10, 15, 20, 25, 30 years	No	Get a quote in less than 10 minutes with on-the-spot approval and no medical exam.	Go to site More Info	Compare	loading Fetching your data...
Everyday Life		20 - 75 years old	$100,000	$10,000,000	10, 15, 20, 25, 30, 35 and 40 years.	No	Ladder multiple life insurance policies to save on the coverage you need for all your debts.	Go to site More Info	Compare	loading Fetching your data...
Ladder		20 - 60 years old	$100,000	$8,000,000	10, 15, 20, 25 or 30 years	No, for coverage up to $3M	Apply for term life insurance online without the medical exam. Get an instant decision and adjust your coverage at no charge.	Go to site More Info	Compare	loading Fetching your data...
Sproutt		18 - 60 years old	$50,000	$4,000,000	5, 10, 15, 20, 25 and 30 years	No	Compare 40+ insurers and apply online to get the lowest possible price — no medical exam required.	Go to site More Info	Compare	loading Fetching your data...
JRC Life Insurance		18 - 85 years old	$5,000	$50,000,000	10, 15, 20, 25, 30, 35, 40 years to lifetime/age 121	May be required	Compare policies up to $10 million from 45+ top insurance companies with the click of a button.	Go to site More Info	Compare	loading Fetching your data...
Nationwide life insurance		18 - 80 years old	$25,000	$10,000,000	10, 15, 20 and 30 years	Yes	Get term, whole, universal or no-exam life insurance with up to $1 million in coverage.	Go to site More Info	Compare	loading Fetching your data...
Haven Life		20 - 64 years old	$250,000	$3,000,000	10, 15, 20, 25 or 30 years available to those aged 20 - 49 years old. 10, 15, or 20 years available to those aged 50 - 64 years old.	No exams for some applicants	Fill out a quick online application and get approval in minutes with up to $3 million in coverage.	Go to site More Info	Compare	loading Fetching your data...
Fidelity		20 - 85 years old	$25,000	$1,000,000	10, 20, or 30 years	Depends on policy	Purchase term, whole and accidental death coverage online without the exam, with rates starting at a low $10 a month.	Go to site More Info	Compare	loading Fetching your data...
Quotacy		18 - 80 years old	$50,000	$65,000,000	10, 15, 20, 30 and 40 years	Depends on provider and policy	Score the lowest rate on life insurance by comparing no obligation quotes from 14+ companies online. No contact info, no spamming.	Go to site More Info	Compare	loading Fetching your data...
Dayforward Life Insurance		18 - 67 years old	$12,000	$500,000	10, 27 years	No exams for some applicants	Dayforward allows you to protect your family with life insurance that protects your income.	Go to site	Compare	loading Fetching your data...
Fabric		21 - 60 years old	$100,000	$5,000,000	10, 15, or 20 years	Depends on policy	No-exam term policies up to $1 million online, with the option to upgrade to permanent life insurance later.	Go to site More Info	Compare	loading Fetching your data...

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