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Best life insurance for people who play sports

Athletes can find a winning policy with these 5 life insurance companies.

People who enjoy playing sports are typically healthier and in better shape than people who don’t. However, life insurance companies consider athletes a higher risk than people who simply exercise. Fortunately, you can get coverage with some companies that are more lenient when it comes to sports — but expect to pay a slightly higher premium than you would if you stayed on the sidelines.

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.

What are the best life insurance companies for people who play sports?

The following five life insurance companies stand above the rest when it comes to underwriting leniency for sports and competitive rates.
  • Best for extreme sports and other high-risk activities: Mutual of Omaha
  • Best for people okay with exclusions: Principal
  • Best for people wanting to give back: Foresters
  • Best if you have a health condition: Bestow
  • Best overall life insurance company for sports: Prudential
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Best for extreme sports and other high-risk activity

Mutual of Omaha

Finder rating 4 / 5 ★★★★★

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.

Best for people okay with exclusions



Finder rating 4 / 5 ★★★★★

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.

Best for people wanting to give back

Foresters Financial

Finder rating 3 / 5 ★★★★★

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.

Best if you have a medical condition


Finder rating 4 / 5 ★★★★★

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.

Best overall


Finder rating 4 / 5 ★★★★★

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.

What are the financial ratings for the best sports life insurance?

The financial strength of a life insurance company helps determine its ability to quickly pay out claims. Financially strong mutual companies can also pay out dividends to permanent life insurance policyholders, though these are never guaranteed.
AgencyPrudentialMutual of OmahaPrincipalForestersLegal & General
A.M. BestA+A+A+AA+
Standard & Poor’sAA-AA-A+N/AAA-
J.D. Power3 out of 54 out of 53 out of 5N/AN/A

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.

ProviderBBB ratingCustomer reviews
PrudentialD-1 out of 5 stars
Mutual of OmahaA+2 out of 5 stars
ForestersA+3 out of 5 stars
PrincipalA+1 out of 5 stars
Legal & GeneralA+N/A

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.

Compare more life insurance companies

Name Product Issue age Minimum Coverage Maximum Coverage Term Lengths Medical Exam Required
Policygenius - Life Insurance
18 - 85 years old
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.
Everyday Life
18 - 70
10, 15, 20, 25, 30, 35 and 40 years.
Ladder multiple life insurance policies to save on the coverage you need for all your debts.
18 - 60 years old
10, 15, 20, 25, 30 years
Apply for term life insurance in minutes and get an instant decision all online. Plus, you’ll get to skip the medical exam.
18 - 65 years old
2 - 35 years
Get a quote for term life coverage that you can adjust over time to match your financial needs. Or, track your debts with Wysh Tracker to automatically lower your coverage as you pay down debt.
20 - 60 years old
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.
21 - 60 years old
10, 15, 20, 25 or 30 years
Depends on policy
No-exam term policies up to $1 million online, with the option to upgrade to permanent life insurance later.

Compare up to 4 providers

Life insurance ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

Our experts analyze life insurance companies to help you to find the strongest possible policy and premium for your family’s needs. We assess their financial strength, customer satisfaction, policy features and riders. We then give each insurer a score between one and five stars that reflects their offering and reputation in the industry.

Learn more about our methodology here.

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