If you plan or already participate in a dangerous past time or sport like rock climbing, scuba diving or caving the chances that you will get hurt are incredible high, especially when you have little to no experience. Crawling under rocks or jumping from a plane has high risks that vary from small scratches up to death, and these consequences are not something rare to see nowadays in news reports. If you happen to be doing these things then you must take on a whole life insurance. The most dangerous the activity you perform is, the more expensive the life insurance will be. But consider this. While we might enjoy dangerous professional sports and the adrenaline that comes with it, we also have a family behind our backs that cares about us. The least we can do is to ensure that if anything happen to us while we develop our activity they will be been taken care of. 1
Extra scrutiny from insurance companies will be attracted if you already take part in these kinds of sports, so plan ahead so you can be insured. But, not all Life insurance companies will instantly rule you out. When you are buying such insurance be sure to be as informed as you can possible be so you can take the best option that fits you. If by any chance you consider avoiding coverage of the hazardous activity and only pay for everything else then you should re think your options. While the life assurance can be of high cost the benefits that you get by securing yourself are extremely higher than the one you get by not doing it.
Learn as much as you can from the sport you practice, take safety classes and avoid unnecessary risks.