Life Insurance for Climbers

If you need life insurance for climbers, be sure to inform your chosen insurance provider about every detail because climbers are seen as high-risk. Tell them if you climb alone or in a group, if you hold a membership to the American Mountain Guides Association, and tell them how often you climb, how high, and whether or not you hold any climbing licenses. All this information can help you secure cheaper life insurance rates for climbers.

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent Laura Walker

UPDATED: Jul 16, 2021

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The Rundown

  • Climbers are seen as high-risk by life insurance companies
  • Ask about discounts to decrease your monthly rates
  • The type of policy you choose will be primarily dependent upon how long you want it active

Life insurance for climbers can be tricky. While you’ll be able to find coverage, it may not be easy. Is it like life insurance for swimmers or life insurance for cross-fitters?

We’ll go through how and where you can get the best coverage to suit your particular needs.

Prior to diving into life insurance for climbers, type your ZIP code into our free and helpful tool above. With it, you’ll find the most affordable life insurance quotes for climbers in your area.

Is life insurance for climbers more expensive?

Insurance companies are all about risk, and rock climbing is risky. While an insurer won’t outright deny you, you will need life insurance for high-risk individuals.

To put it in terms of rock climbing accident statistics, about 3,000 people per year end up in the emergency room for rock-climbing accidents.

Just be honest with your chosen insurance provider. Inform them of the terrain you climb, ie. rocks, mountains, ice, caves, etc. Furthermore, provide them with exact altitude numbers. These factors determine rates.

Other key things to tell your insurer as a climber include:

  • Tell them about any certifications you hold. This is crucial to decreasing your monthly rates because an underwriter is going to see you putting extra effort into preserving your own safety.
  • Do you hold a membership to an organization like the American Mountain Guides Association? That, too, will help immensely.
  • Do you climb alone or in a group? This question is going to pop up and, logically, climbing alone is seen as more dangerous.
  • Are you recreational, or professional? Either can hold certifications, but if you’re a professional definitely tell the insurance company.

Being honest with your insurance company upfront is the best way to secure the cheapest rates and guarantee that your family will be eligible for death benefits. If you don’t tell your provider that you are a climber, any claims on your life insurance policy could be denied.

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What companies have cheap life insurance rates for climbers?

If you’re going to buy life insurance for climbers, you want a company that has written for climbers before.

One option is American Alpine Club insurance. It’s a club more than a climbing life insurance company, but it’s worth being a member of if you’re an avid climber.

Prudential, Mutual of Omaha, Principal, and Foresters all regularly underwrite high-risk applicants, like climbers.

Let’s look at a table that compares one such example, Mutual of Omaha, to other companies.

Average Monthly Life Insurance Rates by Company and Age
Age FSGLI Average Monthly RatesHaven Life Average Monthly RatesMutual of Omaha Average Monthly Rates
Under 35$4.50$8.63$10.02
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As you can see, Mutual of Omaha is the most expensive of the three shown companies. However, when seen as a high-risk individual, one must expect elevated rates.

Now that you know more about life insurance for climbers, type your ZIP code into our free and helpful tool below to find affordable life insurance quotes in your area.


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