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Thrill Seeking Affects Your Life Insurance Rates

Written by Aaron Pinkston, Wed, Nov 18 2009

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My wife is a huge fan of the Twilight series. We went on vacation two years ago and she read all the books in a week. Now she can barely contain her excitement about seeing the movies. You may have already noticed in the previews of “New Moon” that Bella becomes an “adrenaline junkie”. For instance, she rides a motorcycle recklessly without a helmet.

Also, after a brief mention about your driving record and life insurance, I have noticed people actually search for hazardous activities that might affect life insurance rates. It is with these two (seemingly unrelated) facts I introduce you to thrill-seeking activities that can affect your life insurance rates.

Driving violations may increase your life insurance rates. It depends on the severity and number you have on your record. It is tell the truth on the application, so your family doesn’t regret your decision later.

Alcohol and drug abuse can have an affect on the premiums you pay to secure a life insurance policy. If you drink a little heavily or use drugs recreationally, there are some companies that could still offer you affordable life insurance. The trick is to be honest about it up front. If you lie on the application and the life insurance company finds out some other way (and they are very resourceful), they may decline your coverage because you were not honest.

Do yourself and the people you are trying to protect a favor and tell the truth about any relevant risks you take up front. If you have any doubts, get custom quotes from experienced agents to compare. There is one place that makes getting those life quotes super easy and hassle free.


You may also be interested in “5 Things Vampires Can Teach You About Life Insurance”.