Risky jobs and activities you cannot get life insurance for

TJ RYAN
8 June 2016
What is an “occupational hazard” and how will it affect your life insurance?

There are some occupations, activities and hobbies that insurers put on the too-risky list. These are many and varied and should be checked in the exclusions section of the product disclosure statement if you are unsure of where you stand.

Dangerous-jobs-not-covered-by-life-insurance

Risky or dangerous jobs likely to set off alarm bells would include:

  • Working at heights
  • Working with explosives/dangerous chemicals
  • Working underground
  • Working with firearms
  • Working in the armed forces
  • Working as, say, a journalist or news cameraman in a war zone

risky lifestyles not covered by life insurance

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Lifestyle activities which are insurance no-nos include:

  • Participating in war, terrorism, riots, strikes, insurrection, coups, criminal activities
  • Suicide
  • Self-inflicted alcohol and non-prescription drugs habit
  • Being H.I.V. positive

risky occupations

Sports, hobbies and other pastimes which raise concern include:

  • Motor sport
  • Hunting, racing, polo
  • Hang gliding, bungee jumping
  • Mountaineering, rock climbing
  • Unqualified scuba diving without an instructor
  • Pro Sports

It’s important to remember that dangerous recreational sports and hobbies are a problem if they are participated in on a regular basis. It’s doubtful your insurer will worry about an isolated incident, like a hang gliding gift you received for your birthday. If in doubt, simply talk to your insurer.

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