7 What Sport obtain hard life insurance (or not!)

One of the questions I have received over the years is "Do me my sport cause problems in buying a new life insurance? "the answer in most cases is no, but there are hobbies that can be a problem for the underwriters in the insurance company.

Here is a list of seven high-risk sports that are problematic as for life insurance

. 1. Ice climbing. Unlike their mountain-climbing counterparts, ice climbers are in constant danger of causing self-inflicted stab wound of one of their razor spikes, which is their # 1 source injury. Not to mention the possibility that the ice they are climbing can crack and take them with her.

2. Free running. Free running from roof to roof jump at full speed. No cables, no parachute, no insurance. Free running is practiced in urban areas that have a lot of guardrails and concrete walls for participants to jump, flip and tumble over acrobatically. I call running, jumping, bleeding.

3. Base Jump. Talk about crazy! I do not want to look down from a great building, and I have certainly not want to jump into the unknown of any height. Yes, I remember when I was a child and wanted to fly like superman, but a basic rider? No way. Furthermore, BASE jumping is illegal in the United States unless it is running by a professional at an event, so that you not only not get insurance, but you may end up in prison.

4. Heli-skiing. A skier fell from a helicopter on fresh white powder in an isolated section of the mountain, a place where there is no other way to get there. There is a possibility to start an avalanche or falling through a patch of ice, and if you do, it can be almost impossible to rescue.

5. Street Luge. Loosely described, this is the equivalent of lying on your skateboard and have your friend push you down Lombard Street in San Francisco. Riders on the street luge boards can reach 70 mph.

6. Big-wave surfing. Surfers dream of riding the "big" wave and are willing to travel around the world to catch one, and by the great I mean the monster 50 feet. What are the risks? broken bones, drowning, shark attacks. No thanks. I'll watch it on television.

7. Cliff diving. Have you thought about jumping off a 0 foot cliff? In water that feel like concrete when you hit? The biggest problem does not hit the water, because you can hit the side of the cliff on the way down; or slam against the rocks in the ocean below. You could also break a hip or suffer an injury to the spinal cord by landing feet first into the water. If it were me, I would die of a heart attack on the way down.

So yes, there are sports in which only the very brave or foolish should participate, but if you do, do not expect to buy a practice-rated life insurance or perhaps a life insurance.