All hobbies are not the same. Some of are quite extreme, but some people enjoy participating in them. Others are relatively safe, while some require a lot of money to upkeep these hobbies. But whichever the case, have you ever think that your hobby might cause you problems when buying new life insurance? The answer in most cases is a strong no; however, there are some hobbies that might be an issue for the underwriters in a Montreal life insurance company. Here are some high-risk hobbies that might cause issues when it comes to getting life insurance.
Cliff diving
Imagine yourself jumping off a 100-foot cliff. Or think about jumping into water that will feel like concrete when you hit while high up a 90-foot sea cliff. The biggest worry is not hitting the water since you might hit the side of the precipice on your way down. Moreover, you might end up slamming against the rocks in the ocean below you. In any of these incidences, you could incur a spinal cord injury or break a hip by landing feet first in the water. Cliff diving is not a hobby for the faint hearted. In fact, some people would simply die of a heart attack on the way down. And by the way, don’t go looking to purchase any of the available life insurance products if you engage in cliff diving because there is no life insurance service provider will be ready to listen to you.
Big-wave surfing
Surfing enthusiasts would give anything in the world to ride the “big” wave. In fact, most of them are willing to travel all over the world to try and catch the “big one”, and when we say big, we mean a 60-foot monster. But similar to jumping a 50 plus foot cliff to the sea, there are many risks involved. These include shark attacks, drowning, broken bones, and many more.
Heli-skiing
Heli-skiing involves being dropped from a helicopter onto fresh white snow in a remote section of the mountains. In most cases, the skier is dropped in a difficult to reach location up there in the mountains. Unfortunately, the risks involved in heli-skiing are too many to contemplate. For one, there is a possibility of falling through an ice patch or starting an avalanche. If any of these incidences does occur, then it might be near impossible to get rescued.
Base jumping
People who participate in base jumping are simply insane. Most people do not even like looking down from a high building, and they definitely have no desire to jump into the unknown from any height. Yes, as a kid, you might have wanted to fly just like superman, but a base jumper? No way. And by the way, base-jumping is unauthorized activity in most countries around the world, unless it is being performed by a trained professional at events. As such, if you decide to take part in it, you not only will not get insurance, but you will end up in jail.
Ice climbing
Ice climbers are in constant risk of causing self-inflicted stab wounds from any of the many razor-sharp outcrops, something that rarely happens to their mountain climbing counterparts. Sharp-edged crampons are their No.1 source of injury. And not forgetting the possibility that the ice they are attempting to climb might crack and take them down with it.
Street luge
This is one of the most dangerous hobbies that you can ever engage in. Loosely described, street luge is the equivalent of lying on a skateboard and having your companions push you down Lombard Street in San Francisco. Riders on street luge boards can easily reach 75 mph so if you think this is not dangerous, you are obviously not on the same planet as most of us!
So yes, there are a number of sports or hobbies for which only the very brave should participate in. If you decide to take part in any of the above high risk hobbies, then don’t expect to purchase preferred-rated life insurance for that matter.