One nasty truth about life insurance that many young people are discovering is that when a person is classified as being high risk, they do not necessarily have to be old or have any medical conditions at all. Sometimes simply your choice of hobbies can mean that if you want to be insured, you have to get a high risk life insurance policy.
Consider two people. The first one likes to curl up on the couch with a glass of wine and spend hours on end reading a favorite book. The life insurance company looks at this person and determines that she is very low risk. The second person likes to spend her weekends engaged in rock climbing, white water rafting, and riding motorcycles all over her area. This person, because she chooses hobbies that are inherently more dangerous, is considered to be a high risk person because she is far more likely to be involved in a fatal accident.
Source: High Risk Life Insurance Guide
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