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sxc 0
I am currently in the process of getting a life insurance policy and I specifically want it to cover skydiving and scuba diving. One companay told me that the "adventure sports" rider adds about $2.50 per $1000 of insurance to the base rate. I am looking about about $80 a month for the policy.
QuoteI can't answer any of the injury questions, but can talk to the insurance quote question...
I am currently in the process of getting a life insurance policy and I specifically want it to cover skydiving and scuba diving. One companay told me that the "adventure sports" rider adds about $2.50 per $1000 of insurance to the base rate. I am looking about about $80 a month for the policy.
For Term?!
~ If you choke a Smurf, what color does it turn? ~
sxc 0
You ignorant fool! Checks are for workers!
sxc 0
The only quote I have in so far is
$34/month for $100k for 10 years.
$49/month for $100k for 30 years.
They quoted for $250k, $500k and $1m too.
The company is West Coast Life Insurance Company.
I also have a life policy through my employer but it does not cover skydiving or scuba diving. These ones do.
So if I get one of these and I die in a car crash, they both pay out and my husband gets all the money! I think I better check the brakes on the car regularly!!
QuoteSo if I get one of these and I die in a car crash, they both pay out and my husband gets all the money! I think I better check the brakes on the car regularly!!
Thats one of those worth more dead than alive....and you sound better to. J/K
You ignorant fool! Checks are for workers!
Quote
QuoteAre they preventable?
Yes
When you and Rob answer yes to this, did you mean absolutely preventable, or merely in frequency, as your later answers suggest?
Dacron has been suggested to avoid the really bad openings, but would it have any real effect on the more minor ones?
Andy9o8 0
QuoteDacron has been suggested to avoid the really bad openings, but would it have any real effect on the more minor ones?
My ejumacated guess is that, all other factors being equal, the cumulative effect of openings with Dacron might tend be kinder on the spine, over time, than with spectra.
skybytch 259
They happen, both lower back and neck. Happened to me; fused L4/L5/S1 in '01 and at least one disc in the neck is going out now.
If it will happen to you depends on how long you stay in the sport, how soft your openings and landings are, how old you are, how well you've taken care of yourself, and I'm sure genetics plays a role in disc related issues as well.
Are they preventable?
Sure. Don't jump.
How common are hard openings?
Depends on the canopy you jump. On the Spectre I jump, they are fairly rare - still could happen though.
What causes a hard opening?
Packing errors, poor body position on deployment, bad luck.
Will staying big and not downsizing help?
That'll reduce the risk of landing related injuries, as long as you ground yourself in higher wind conditions.
Quote"How common are back injuries from skydiving?"
Back injuries are a function of aging and sports. The only way to prevent back injuries is to stay in bed.
I have to disagree there, staying in bed 100% of the time will be pretty much guaranteed to mess up his back.
I don't have statistics, but I know someone who had a hard opening that he couldn't find a good reason for, he was fine, but the canopy was ripped apart.
We jump 0P canopies with micro lines, the fabric is designed to not let through air, and the lines stretch less than steel, it is only the design of the canopy and the way it is packed that prevents it from slamming every time. There will always be a risk of a hard opening no matter what you do.
But most skydiving back injuries that I've personally witnessed are from landings. Mostly compression fractures, often combined with injuries to other parts of the body. You will see "low turns" turn up with some regularity in the incident forum, where you read about the low turn fatalities, but most low turns cause injuries and not death.
I hope this was of any help!
I'm a BIG, TOUGH BIGWAY FORMATION SKYDIVER! What are you?
QuoteIm trying to find out some info on back injuries associated with skydiving. Every thread Ive read so far there are people that go into detail about their injuries and its making me cringe. I HATE sympathy pains.
Skydiving is not safe, if you hang out at the DZ, you will not only hear people talk about their injuries, you will see them happen.
I'm a BIG, TOUGH BIGWAY FORMATION SKYDIVER! What are you?
riggerrob 558
After my first herniated disc (twenty-two years ago), doctors recommended six months bed rest.
Hah!
After three days my back was stating to cramp up, so I got out of bed and did some light exercises.
Since then doctors have changed their tune, now most doctors recommend exercise as a part of the cure for most skeletal-muscular injuries.
QuoteI was being sarcastic!
I thought so, but I still had to comment!
I'm a BIG, TOUGH BIGWAY FORMATION SKYDIVER! What are you?
How common are injuries from motorcycle crashes?
Are they preventable?
How common are motorcycle crashes?
What causes a motorcycle crash?
Will staying on a big Gold Wing and not getting on a superbike help?
Bonus Answer:
Being in an HMO or PPO _may_ result in a higher premium and/or they may exclude skydiving accidents (mine does not, nor does it affect my rates), HOWEVER, there is a high-risk activity clause in _most_ life insurance policies that will exclude payment if one has a fatality while engaging in these activities.
So if you go in... have your mates take off your gear and drag you to the highway and let a couple of tractor trailers run over you a couple of times...
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