JENi4MYERS 0 #1 April 16, 2004 On a scale of 1-10 how hard do yall think it is to get life insurance as a skydiver? Odd question, but it's been bothering me for some reason. xoxojen Quote Share this post Link to post Share on other sites
JustaBill 0 #2 April 16, 2004 I looked into it not long ago. It's wasn't real hard but it was really expensive. Something like 170/month for 250,000 coverage.------------------------------------------------ I've done so much, with so little, for so long I'm now expected to do everything with nothing forever Quote Share this post Link to post Share on other sites
ryand96 0 #3 April 16, 2004 I received quotes and I believe that coverage for skydiving was an extra $2.50 per $1000 of coverage. Which comes out to an extra $625 a year for $250,000 of coverage. I am considering getting a life policy that excludes skydiving and getting the accidental death and dismemberment plan that covers it. USPA sent something about Accidental D&D a couple of weeks ago. I don't remember how expensive that coverage was, but I do remember that it didn't seem that expensive. Quote Share this post Link to post Share on other sites
crutch 0 #4 April 16, 2004 If you get into some type of group policy like through your job or the USPA sales flyer that comes out every so often it is not too bad. If you try to go out on your own and get a policy, it gets a little ridiculous!blue skies, art Quote Share this post Link to post Share on other sites
DShiznit 0 #5 April 16, 2004 I looked into getting it on my own for $250K and it is $90/mth. I'm a healty, non-smoking 26 y/o and it was still that high. Because I mentioned skydiving that added $3 per $1K. I'm probably going with the USPA's group policy. Quote Share this post Link to post Share on other sites
flypunk 0 #6 April 16, 2004 I used to have it at $35/mo for 100K ... Quote Share this post Link to post Share on other sites
JohnMitchell 14 #7 April 16, 2004 My job's life insurance covers me no matter how I get killed, so not a big worry. When we started having kids, I checked the fine print real carefully. There's been a grieving widow or two that's had a real nasty surprise when meeting with the insurance company. Quote Share this post Link to post Share on other sites
mjosparky 3 #8 April 16, 2004 Who are you?My idea of a fair fight is clubbing baby seals Quote Share this post Link to post Share on other sites
riddler 0 #9 April 16, 2004 QuoteWho are you? Good point. No name, no jump numbers, no info. But for everyone ELSE on this thread, I have been self-employed for the last few years, so I had to get my own insurance. I called a few companies and found a good policy at a reasonable rate, and they didn't care if I skydive. I guess they felt that there aren't enough people that skydive in the statistical population for it to make much of an impact. If anyone wants to know who my carrier is and what my rates are, feel free to PM.Trapped on the surface of a sphere. XKCD Quote Share this post Link to post Share on other sites
robskydiv 0 #10 April 16, 2004 Don't know. I've got SGLI. It should work. Quote Share this post Link to post Share on other sites
Zeemax 0 #11 April 16, 2004 From reading the other forums they have recently made their first tandem. Also just looking into starting to jump... http://www.dropzone.com/cgi-bin/forum/gforum.cgi?post=1034561;sb=post_latest_reply;so=ASC;forum_view=forum_view_collapsed;;page=unread#unread But asides from that, and back to the question. Not sure. I *think* i get life insurance from work, but who knows. I have no dependants so if i do go i'm not too worried. Is that the wrong attitude to have?Phoenix Fly - High performance wingsuits for skydiving and BASE Performance Designs - Simply brilliant canopies Quote Share this post Link to post Share on other sites
riddler 0 #12 April 16, 2004 QuoteIs that the wrong attitude to have? Depends on if you want a nice funeral Even a small policy, if you can afford it, helps your family. Remember that they are going to have to take time out from their lives to settle your estate (even if your "estate" looks more like a patch of dirt ) It often takes 12 months to get all the paperwork settled from a death. Even well planned ones take 6 months or more. If you never get life insurance, the best thing you can do is have a will that spells out clearly who gets what and how you want to be disposed of - and no, flushing down the toilet is not legal in most first-world countries. Don't forget to include that Riddler gets all your skydiving gear.Trapped on the surface of a sphere. XKCD Quote Share this post Link to post Share on other sites
Zeemax 0 #13 April 16, 2004 your kidding right? i'm being burried in my skydiving gear! Phoenix Fly - High performance wingsuits for skydiving and BASE Performance Designs - Simply brilliant canopies Quote Share this post Link to post Share on other sites
bodypilot1 0 #14 April 16, 2004 QuoteWho are you? She isn't even a skydiver. Read her other posts...www.WestCoastWingsuits.com www.PrecisionSkydiving.com Quote Share this post Link to post Share on other sites
airtwardo 6 #15 April 16, 2004 When I got a life policy a decade back... They actually knew the drill...and the stats! I received a better rate for a D license and a Gold Wing!!! ~ If you choke a Smurf, what color does it turn? ~ Quote Share this post Link to post Share on other sites
ACMESkydiver 0 #16 April 16, 2004 Funny you ask, I just got a policy last night from a company that didn't seem to care too much about it... Some companies don't ask if you're a skydiver; some do. The ones that DO ask, I tried to get a quote from them online, and when I answered 'yes' to the skydiving question, they immediately came back saying 'ineligible'. ~Jaye Do not believe that possibly you can escape the reward of your action. Quote Share this post Link to post Share on other sites
Nightingale 0 #17 April 16, 2004 wasn't hard at all. Just the standard life insurance through my work. no skydiving exclusion Quote Share this post Link to post Share on other sites JENi4MYERS 0 #18 April 16, 2004 Man, I realize this is only like my 4th post and all but yall seem like you're being kind of harsh. When you do something new, you have to do it for the first time before you can become a pro. I'm sure yall all remember your first tandem dive and your first post on this forum. I guess since I only tandem right now and am looking into getting a license that makes me a dreamer not a skydiver. sorry guys jen Quote Share this post Link to post Share on other sites JENi4MYERS 0 #19 April 16, 2004 Oh, and of course thank you to everyone who gave info! I was trying to collect info for something at school... -jen Quote Share this post Link to post Share on other sites riddler 0 #20 April 16, 2004 No offense, Jen, but we get a lot of TROLLS on these forums, so we're picky about posters. You will get more credibility if you go to your profile and enter your name, where you jump, etc. Oh, and there's some debate among skydivers about whether someone that just has tandems is a skydiver. Personally, I think anyone that jumps out of airplane qualifies as a skydiver, but I don't want to start that whole debate again Edit - now that I know how to spell your name.Trapped on the surface of a sphere. XKCD Quote Share this post Link to post Share on other sites chaoskitty 0 #21 April 16, 2004 You have nothing to be sorry for, Jen. It would be helpful to fill in your profile if youre going to post in the forums, though. Thats usually enough to deter the troll-sniffers. To answer your question, I had no trouble getting life insurance through my job. Skydiving wasnt set as an exclusion. Quote Share this post Link to post Share on other sites chaoskitty 0 #22 April 16, 2004 QuoteOh, and of course thank you to everyone who gave info! I was trying to collect info for something at school... -jen Oh, in that case just say so! If you want people with experiences and opinions, you've come to the right place! Quote Share this post Link to post Share on other sites riddler 0 #23 April 16, 2004 QuoteI received a better rate for a D license and a Gold Wing!!! Of course, the stats have all changed since then! Now, it's all the D-license skydivers that are getting themselves killed Best to say you're an A license jumper, I guess.Trapped on the surface of a sphere. XKCD Quote Share this post Link to post Share on other sites JENi4MYERS 0 #24 April 16, 2004 QuoteOh, and there's some debate among skydivers about whether someone that just has tandems is a skydiver. whoa i just read all that. It's a fact though...let me just clarify that I know I am not a skydiver yet. But there is always room for improvement! -jen- Quote Share this post Link to post Share on other sites ryoder 1,384 #25 April 16, 2004 Quote I guess they felt that there aren't enough people that skydive in the statistical population for it to make much of an impact. Interesting choice of words. "There are only three things of value: younger women, faster airplanes, and bigger crocodiles" - Arthur Jones. Quote Share this post Link to post Share on other sites Prev 1 2 Next Page 1 of 2 Join the conversation You can post now and register later. If you have an account, sign in now to post with your account. Note: Your post will require moderator approval before it will be visible. Reply to this topic... × Pasted as rich text. Paste as plain text instead Only 75 emoji are allowed. × Your link has been automatically embedded. Display as a link instead × Your previous content has been restored. Clear editor × You cannot paste images directly. Upload or insert images from URL. Insert image from URL × Desktop Tablet Phone Submit Reply 0
JENi4MYERS 0 #18 April 16, 2004 Man, I realize this is only like my 4th post and all but yall seem like you're being kind of harsh. When you do something new, you have to do it for the first time before you can become a pro. I'm sure yall all remember your first tandem dive and your first post on this forum. I guess since I only tandem right now and am looking into getting a license that makes me a dreamer not a skydiver. sorry guys jen Quote Share this post Link to post Share on other sites
JENi4MYERS 0 #19 April 16, 2004 Oh, and of course thank you to everyone who gave info! I was trying to collect info for something at school... -jen Quote Share this post Link to post Share on other sites
riddler 0 #20 April 16, 2004 No offense, Jen, but we get a lot of TROLLS on these forums, so we're picky about posters. You will get more credibility if you go to your profile and enter your name, where you jump, etc. Oh, and there's some debate among skydivers about whether someone that just has tandems is a skydiver. Personally, I think anyone that jumps out of airplane qualifies as a skydiver, but I don't want to start that whole debate again Edit - now that I know how to spell your name.Trapped on the surface of a sphere. XKCD Quote Share this post Link to post Share on other sites
chaoskitty 0 #21 April 16, 2004 You have nothing to be sorry for, Jen. It would be helpful to fill in your profile if youre going to post in the forums, though. Thats usually enough to deter the troll-sniffers. To answer your question, I had no trouble getting life insurance through my job. Skydiving wasnt set as an exclusion. Quote Share this post Link to post Share on other sites
chaoskitty 0 #22 April 16, 2004 QuoteOh, and of course thank you to everyone who gave info! I was trying to collect info for something at school... -jen Oh, in that case just say so! If you want people with experiences and opinions, you've come to the right place! Quote Share this post Link to post Share on other sites
riddler 0 #23 April 16, 2004 QuoteI received a better rate for a D license and a Gold Wing!!! Of course, the stats have all changed since then! Now, it's all the D-license skydivers that are getting themselves killed Best to say you're an A license jumper, I guess.Trapped on the surface of a sphere. XKCD Quote Share this post Link to post Share on other sites
JENi4MYERS 0 #24 April 16, 2004 QuoteOh, and there's some debate among skydivers about whether someone that just has tandems is a skydiver. whoa i just read all that. It's a fact though...let me just clarify that I know I am not a skydiver yet. But there is always room for improvement! -jen- Quote Share this post Link to post Share on other sites
ryoder 1,384 #25 April 16, 2004 Quote I guess they felt that there aren't enough people that skydive in the statistical population for it to make much of an impact. Interesting choice of words. "There are only three things of value: younger women, faster airplanes, and bigger crocodiles" - Arthur Jones. Quote Share this post Link to post Share on other sites
