ltdiver 3 #1 April 21, 2004 This man's didn't ltdiver Don't tell me the sky's the limit when there are footprints on the moon Quote Share this post Link to post Share on other sites
Tink1717 2 #2 April 21, 2004 Whuffos, go figure.Skydivers don't knock on Death's door. They ring the bell and runaway... It really pisses him off. -The World Famous Tink. (I never heard of you either!!) AA #2069 ASA#33 POPS#8808 Swooo 1717 Quote Share this post Link to post Share on other sites
Tonto 1 #3 April 21, 2004 Yes, but I pay a loading for it both for life cover and disability. What really bothers me is that they'll pay for suicide (if the policy has been in effect for over 2 years) but not for a skydiving death. (without loading) Get that. Put a gun to your head and pull the trigger - they pay. Use every ounce of skill and knowledge you have while skydiving and fail - they don't. tIt's the year of the Pig. Quote Share this post Link to post Share on other sites
cvfd1399 0 #4 April 21, 2004 I need to ass out and get some. I have a feeling mine doesn't outright exclude it, but would proally pull some b.s.like they did to that guy. Quote Share this post Link to post Share on other sites
Remster 24 #5 April 21, 2004 Correct me if I'm wrong but from the article, it sounds like a ADD insurance.... usually these cover pretty much everything! check your policy people!Remster Quote Share this post Link to post Share on other sites
PrairieDoug 0 #6 April 21, 2004 Yes, I had skydiving explicitly included in my life insurance coverage. If I recall the numbers correctly, this change increased the monthly premium by about 50%. When this is accounted for, I think the coverage offered by USPA is competitive in price with other policies. Quote Share this post Link to post Share on other sites
ltdiver 3 #7 April 21, 2004 I have the AD&D policy offered through USPA. Even though I don't have kids, it makes me feel better knowing that my family doesn't have to worry about the financial part of it when and if it comes to to 'cashing it in'. ltdiver Don't tell me the sky's the limit when there are footprints on the moon Quote Share this post Link to post Share on other sites
ChasingBlueSky 0 #8 April 21, 2004 If I remember the fatality report, this guy survived the skydive, but upon landing he hit his throat on his chest mounted altimeter. But I guess they still consider it related to the skydive._________________________________________ you can burn the land and boil the sea, but you can't take the sky from me.... I WILL fly again..... Quote Share this post Link to post Share on other sites
kelel01 1 #9 April 21, 2004 Guess what, guys? If you don't ask for it to be covered, 99 times out of 100, it won't be. Plan accordingly. Quote Share this post Link to post Share on other sites
ltdiver 3 #10 April 21, 2004 QuoteIf I remember the fatality report, this guy survived the skydive, but upon landing he hit his throat on his chest mounted altimeter. But I guess they still consider it related to the skydive. Yeah, I thought of this as well when I read the article. Sucked, didn't it! ltdiver Don't tell me the sky's the limit when there are footprints on the moon Quote Share this post Link to post Share on other sites
Nightingale 0 #11 April 21, 2004 my life insurance policy specifically INCLUDES skydiving. Ditto with health insurance. Quote Share this post Link to post Share on other sites
sdgregory 0 #12 April 21, 2004 All of this discussion got me thinking about this even harder. So I checked my policy and yes it is an I die they get paid thing. But the more I thought about it the more I wanted to look around at other rates and other policies. So after some research and talking with a few agents, I found a policy that covers me for 250,000 with ADB (accidental death benifits) of 500,000. It pays starting the day I sign up and get approved. It covers EVERYTHING except if I die while commiting a felony. So if I rob a bank and get blasted, my wife and kids get zilch. For the first two years it will not cover suicide, and it will not cover terminal illness within the first twi years if it is pre-existing. After two years it will cover suicide and pre-existing terminal illness. After two years, if I die, they get paid (felony exclusion still holds), I die of anything other than natural causes, they get paid double cost 600/year for a 30 year term policy with the rate guaranteed the whole time. And if you buy your policy in Ohio, Ohio law prevents any insurance company doing any business in Ohio from excluding ANY activity other than death in comission of a felony. Suicide/Skydiving/Scuba/Rock Climbing/Piloting/HangGliding etc. are all covered and all you have to do is physically BE IN OHIO when you purchase the policy. You do not have to live here. Edit to Add Oh yeah, I decided to buy this policy because my current insurance is 30-year term but the last 8 years are decreasing benefits with increasing rates. Quote Share this post Link to post Share on other sites
riddler 0 #13 April 21, 2004 QuoteIf you don't ask for it to be covered, 99 times out of 100, it won't be. I'm not sure I agree with that. As your insurance does not EXCLUDE skydiving, or have a clause about aircraft passengers, or "extreme" sports, with no definition of "extreme", then I would say that you are probably covered. I think that skydiving or being a passenger on an airplane have to be specifically excluded for you to not be covered. An insurance policy can't ever say all the things it does cover, so you get into generalities. When I applied for my life insurance, I carefully read the contract, saw no exclusions for airplanes, outside of being a commercial pilot, and filled out the section of "hazardous sports" (boy that was long - I'm surprised what people consider hazardous). I wrote that I do skydive, and I discussed it with the insurance rep, who informed me that it's not specifically excluded, so I would be covered. SCUBA diving was covered, as long as it was not below a certain depth. Mountain climbing was covered, off-road biking. Interestingly, skiing was not considered "extreme" (maybe that's why I stopped doing it ). I listed them on the hazardous activities page, so the insurance company has a record of what I do and signed off on it. My health insurance is the same. Now my homeowners insurance is a different story - it excludes anything resulting from an aircraft incident, so if I damaged other property while skydiving, my HO would not cover it, but USPA would (thanks, USPA Trapped on the surface of a sphere. XKCD Quote Share this post Link to post Share on other sites
jeepnjump 0 #14 April 21, 2004 Mine covers it, life and health. I checked on this before getting back into the sport, I work for the DOD. The last company I worked for, skydiving was an exclusion. Tony Quote Share this post Link to post Share on other sites
kelel01 1 #15 April 21, 2004 Yes, but MANY policies won't cover you in any type of aircraft other than commercial. An aircraft exclusion is pretty typical, and that means that if I decide to hop in my rigger's Cessna, I'm not even covered then. Jumping out of non-commercial aircraft is included in that aircraft exclusion. And I'm pretty sure jumping out of commercial airliners would be excluded, too. DB Cooper's family probably cuoldn't cash in on his term life policy either. kelly Quote Share this post Link to post Share on other sites
LouDiamond 1 #16 April 21, 2004 I have yet to find a policy that will cover me completely. Just about everything I do in my career field in the Military is not covered by a policy from anyone other than LoL which is too far out there to be practical. I do get a kick out of it when I get a phone call from them and I ask if they cover the following :yadayadayada, I usually never get past the first or second one. Luckily the military affords me coverage, though small in comparison to what some people may have, it covers me for the things I am statistically more than likely to be doing when injured, killed or maimed."It's just skydiving..additional drama is not required" Some people dream about flying, I live my dream SKYMONKEY PUBLISHING Quote Share this post Link to post Share on other sites
sdgregory 0 #17 April 22, 2004 Lou, see my post. certain states prevent Life Insurance from excluding anything in a term life policy. Ohio is just one, I do not know what others are like that. Quote Share this post Link to post Share on other sites
harryskydives 0 #18 April 22, 2004 The operative term is accidental-death insurance policy. That is Not Life Insurance. In the state of oregon: If you get your Life policy before you skydive it will not exclude skydiving. Once you start skydiving they can not go back and exclude activities. But when you apply, if you do certian things, they can up charge you or you can chose to exclude it. Accidenial death polices have lots of exclusions. Ie: USPA insurance you must be at a group DZ. Don't run out of altitude and experience at the same time... Quote Share this post Link to post Share on other sites
LouDiamond 1 #19 April 22, 2004 I saw your post but I have my doubts that acts of War or civil unrest would be covered especially when I am an active participant. If I'm mistaken then I'd like to see that policy as I know A LOT of people who would be interested"It's just skydiving..additional drama is not required" Some people dream about flying, I live my dream SKYMONKEY PUBLISHING Quote Share this post Link to post Share on other sites
ltdiver 3 #20 April 22, 2004 QuoteBlahBlah3 Is this your team name? ltdiver Don't tell me the sky's the limit when there are footprints on the moon Quote Share this post Link to post Share on other sites
maxmadmax 8 #21 April 22, 2004 My 30 year term policy $250K covers me for skydiving. It's $51/month. And I also carry the USPA $100K for $138/quarter. And a couple of other dead man insurance policies. But if you self employed, getting disability is very difficult. yahooo 2 cents worth Don't go away mad....just go away! Quote Share this post Link to post Share on other sites
sdgregory 0 #22 April 22, 2004 I will contact my agent and ask about that specifically and see what the new policy says. But FYI, I asked "What specifically will this policy not cover?" His reply, "Suicide or known terminal illness within the first two years and your death while you are COMITTING a felony." MY next question, "So I am covered for any death, under any circumstances, other than those stated and after two years, my death is covered unless I am committing a felony at time of death." His reply, "You die, they get paid, no matter what, unless you are committing a felony." Pretty much a quote. But I am going to call him and ask what if I am in combat as a willing participant of the United States Armed Forces? See what he says. Quote Share this post Link to post Share on other sites
kelel01 1 #23 April 22, 2004 You definitely should. I have NEVER, EVER heard of any oplicy through anyone other then USAA covering death as the result of an act of war. However, the reasoning behind that is that the losses resulting from an act of war would be too catastrophic for insurance companies to handle, and they would go insolvent. Also, in the event of something like that, government assistance would certainly kick in. So, even if it's not covered, it's really not a concern, unless you're headed to Iraq tomorrow. But if you want to know, ask. kelly Quote Share this post Link to post Share on other sites
JohnMitchell 14 #24 April 22, 2004 QuoteThis man's didn't ltdiver That's a shame. Same thing happened in Texas maybe ten years ago, a dad bounced and left behind a family with a policy that didn't pay 'cause he died skydiving. Those insurance companies will do whatever they can not to pay. My life insurance thru my job with the FAA pays no matter how I die. Double checked when we started having kids, just to make sure. Quote Share this post Link to post Share on other sites
scottjaco 0 #25 April 23, 2004 Quote taken from the artical..... QuoteShe insisted that parachuting does not involve "navigation," given that parachuting does not involve steering and is merely a conveyance used to slow the fall to earth. Was this guy jumping a round parachute? If he were jumping a Ram-Air, I would disagree with this statement. Quote Share this post Link to post Share on other sites
