Base jumping life insurance
One of the most extreme of all extreme sports and certainly something where participants should consider life cover.
If you take part in base jumping and you have got children then it’s advisable to be thinking about getting life insurance. Most base jumpers normally assume that they cannot get life cover, which isn’t necessarily true.
If you search base jumping on Google, the most common questions are all about how dangerous it is, and how many people die. This suggests that base jumping can be extremely dangerous.
About base jumping
The term ‘base’ jumping applies to people that jump from a ‘fixed object’ such as a building, antenna, span, or earth (i.e. clifftop) so it is not quite the same as sky diving.
It is difficult to know exactly how many people there are that take part in the extremely exhilarating activity, due to the difficulty and nature of it. There are some suggestions that there are only approximately 1,000 people base jumping, with just 50 of them listed at the highest level of the sport.
Why are we base jumping life insurance experts?
While we’re a team of extreme sports enthusiasts, base jumping is just a step too far, even for us.
We have ultimate respect for anyone who is brave enough and skilled enough to take part in this particular activity. It’s incredible to watch and the progression of the sport over the past few decades has been astonishing.
Our team of passionate extreme sports experts has worked with some of the top-level base jumping athletes to help protect them and their families.
We’re extremely proud to be the UK’s TOP RATED life insurance EXPERTS for people who take part in extreme sports, like base jumping.
Our team of HIGHLY SKILLED and SUPER FRIENDLY life insurance experts is rated 5.0 out of 5.0 Stars on FEEFO.
Don’t just take our word for it… read our latest reviews CLICK HERE
We also have access to one of the most comprehensive life insurance partner panels to get you the BEST rates.
Does life insurance pay out for base jumping?
Understandably, many people are confused about whether life insurance will pay out for things like base jumping.
The simple answer is, YES, if you have life insurance and you go base jumping then you should be covered. As long as you disclosed base jumping on your life insurance application if you took part when you originally applied for cover.
It might seem like a crazy question, but some people are often confused by whether or not life insurance covers things like this.
A life insurance policy will provide your family with a cash lump sum to pay for things like:
- Mortgage debt
- Rent payments
- Other debts
- School fees
- Cost of living
If you take part in base jumping and you need life insurance then you should speak to an expert or specialist.
Does critical illness cover pay out for base jumping?
Most critical illness cover policies will provide extra security and peace of mind to people who take part in extreme sports like base jumping.
If you’ve got critical illness cover in place then you should be fully protected for base jumping. You should have disclosed base jumping on your application if you were actively jumping when you applied for this cover.
This type of policy can give you cover for things like:
- Accidental injuries (e.g. major trauma, or musculoskeletal damage)
- Permanent disability
- Heart attack
You should consider critical illness cover to give you and your family protection for financial loss to pay for:
- Mortgage payments
- Property rental
- School fees
- Other outgoings
Make sure that you check your policy wording and documents closely to ensure that you have the right cover in place for you.
Does base jumping affect life insurance?
If you base jump and you want life cover then you’ll need to disclose this on your application as part of your lifestyle questions.
Some life insurance companies may ask you for more or different information than others because this is classed as a high-risk activity. There are some insurers who may not accept your application so you need to choose insurers carefully.
An expert will be able to let you know which life insurance companies are more likely to offer you a policy and get the cheapest premiums for you.
Best life insurance for base jumping
You can get life insurance in several different formats and there are just a few things that you need to consider.
If you take part in a high-risk activity like base jumping then your options may be slightly limited so you just need to consider what’s available. Some insurers might offer cover and others may be less inclined to give you protection.
Some of the main options that you should consider for base jumping life insurance are:
- Level Term life insurance (Family protection)
- Decreasing Term life insurance (Mortgage protection)
- Whole of Life insurance
- Family income benefit
- Business life insurance
- Over 50’s life insurance
- Accidental death cover
Consider your options and your circumstances to make sure that you get a policy that suits your situation and needs.
Need more help to get the base jumpers life insurance
If you still need FREE EXPERT life insurance advice from our team of FRIENDLY specialists then call 0800 009 6559 or CLICK HERE.