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If you count rock climbing among your hobbies, it’s a good idea to get life insurance in case anything happens. You should prepare to pay more in premiums — but you can keep costs in check by modifying your hobby.
Yes. While most insurers view rock climbing as a high-risk activity or extreme sport, it’s just one of many factors involved in the underwriting process.
However, keep in mind that premiums are typically more expensive for rock climbers than folks who stay planted on the ground. Most providers charge a flat extra fee per $1,000 of life insurance coverage for rock climbers. So if you buy a plan that has $250,000 of coverage, at the very least expect to pay an additional $250 in premiums per year.
If you wear a harness and only climb indoors at a gym, you probably won’t be charged extra.
Some insurers are more lenient than others. When assessing your application, your insurer will look at a range of factors related to your rock climbing:
Insurers may choose not to cover you at all if you climb in a professional capacity. This is because the more often you climb, the higher the statistical likelihood that you will have an accident.
There are a few ways to reduce your premium:
Keep in mind that a rock climber will be viewed in the best light by an agent that’s schooled in rock climbing vocabulary or a provider that specializes in high-risk coverage.
There are a number of questions an insurer may ask you in relation to your rock climbing activities. Your answers will help determine the level of risk you represent. They may ask you about the following:
Even if you take every precaution when you go rock climbing, it is still a dangerous sport and things can go wrong that are completely out of your control. Common risks faced by rock climbers include the following:
Rock climbing is the world’s fastest-growing adventure sport, so accident statistics will no doubt grow along with its popularity. But if you look at research carried out over the past few years, some trends are already apparent.
According to a 2014 study entitled Accidents in North American Mountaineering, the biggest contributing causes to climbing accidents in the US between 1951 and 2012 were: climbing without a rope, overestimating one’s abilities, and not having adequate protection and equipment. The major types of injuries incurred were: fractures, lacerations, sprains and bruises. As far as fatalities are concerned, a study by the Rocky Mountain Rescue Group (RMRG) in Boulder, Colorado found that the majority of climbing fatalities in Eldorado Canyon State Park occurred as a result of lead fall, lowering off ropes and rock falls.
From 1998-2011, 23 people died from rock climbing in Eldorado Canyon State Park alone.
The price of life insurance for rock climbing is determined by how much time you’re up near the sky, as well as your skill level and overall safety. Compare life insurance companies who specialize in covering high risk individuals to find the best rate.
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