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Recreational Skiing or Snowboarding and Life Insurance

  • Writer: Philippe Deray
    Philippe Deray
  • Nov 18
  • 2 min read

Skiing and snowboarding are among the most popular winter sports worldwide, drawing enthusiasts to snowy mountain slopes each year. While they offer excitement, health benefits, and physical activity, they are also classified as high-risk activities by life insurance providers. This categorization does not automatically disqualify individuals from obtaining life insurance, but it does influence how insurers assess risk and calculate premiums.


Skiing and snowboarding are insurable.

Insurance companies consider skiing and snowboarding risks based on several factors. The difficulty of slopes frequently influences risk assessment. Black diamond runs, for instance, are far more dangerous than beginner slopes, increasing the likelihood of injury. Additionally, insurers evaluate past medical history, including prior injuries or chronic conditions like back problems or bone fractures, which can elevate the probability of future claims. Frequency of participation is another consideration: someone skiing once a season poses less risk than a daily or weekly enthusiast.


Generally, recreational skiing and snowboarding remain insurable, especially for individuals who follow safety protocols. Wearing protective gear like helmets, wrist guards, and padded clothing, as well as taking lessons to improve technique, can help reduce risk. Life insurance companies often ask for these safety measures during the underwriting process. Moreover, many insurers differentiate between recreational participation and professional or competitive skiing, with professional athletes usually facing higher premiums or even exclusion from coverage.


The insurance process begins with full disclosure. Applicants must honestly report their skiing frequency, slope difficulty preferences, and any previous injuries. Omitting information can lead to policy denial or claim disputes. Insurers may also require a medical exam, review of health records, or a questionnaire about skiing habits. In some cases, coverage for skiing or snowboarding may come with a rider exclusion, meaning injuries from these activities may not be covered unless the applicant accepts a higher premium.


For those concerned about premiums, some strategies can help. Limited coverage riders or policies specifically tailored to active individuals can provide protection without excessive cost. Engaging in lower-risk slopes and taking precautionary safety measures reduces risk and may positively impact premium rates. Life insurance underwriting is highly individualized, so two applicants with the same skiing habits might receive very different offers depending on overall health, age, and lifestyle factors.


Ultimately, recreational skiing and snowboarding are insurable activities, but approval depends on a careful evaluation of personal health, past injuries, slope choices, and frequency of participation. While insurance companies may charge a slightly higher premium or apply specific conditions, obtaining coverage is possible for many recreational enthusiasts. The key is honesty, safety, and an understanding that coverage may vary based on individual risk factors.



Life Insurance Disclaimer

Disclaimer: This article is for informational purposes only and is not legal, financial, or insurance advice. Life insurance needs and products vary by individual, state, and insurer. Policies may involve fees, costs, and limitations. Some policies include a cash value component that can grow over time, and certain strategies may allow for accumulation beyond basic protection. Results are not guaranteed and may vary by policy, insurer, and state. Consult a licensed insurance professional before making any life insurance decisions.





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