Recreational skiing and snowboarding carry risks, but with good health, proper safety practices, and honest disclosure, enthusiasts may possibly obtain life insurance coverage despite their high-risk hobby.

Recreational scuba diving can be insured when done responsibly within established safety limits. Certification, health, and adherence to protocols affect coverage and premiums.

Recreational skiing and snowboarding are high-risk but insurable, with coverage depending on past injuries, slope difficulty, and safety measures.