Life Insurance for Climbers (Discounts & Rates)

Life insurance for climbers can be as low as $9/mo. However, climbing life insurance varies for each person depending on how frequently one participates in climbing activities. Over 3,000 rock-climbing deaths were recorded in 2020, so you can expect life insurance rates for climbers to be higher than average.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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UPDATED: Dec 14, 2021

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The Highlights

  • Life insurance for climbers may be more expensive at some companies
  • American Alpine Club Insurance Company provides coverage specific to climbers
  • About 30 people die from climbing each year

Underwriting life insurance for climbers can generate higher than average rates, but some life insurance companies will still offer affordable rates.

Rock climbing may be considered a high-risk lifestyle to some life insurance providers, so it’s not unusual to see inflated life insurance rates. However, you can secure affordable life insurance for climbers.

Read through this short guide to learn which companies provide cheap life insurance quotes for climbers.

Are you ready to see what life insurance for climbers costs? Enter your ZIP code in the free comparison tool above to compare your local area’s best life insurance companies.

How much are life insurance rates for climbers?

Rock climbers may have a hard time finding traditional life insurance policies. But why are life insurance companies concerned about climbing activities?

Climbing is a risky activity, so life insurance companies may issue higher rates or may not permit you to have a policy at all. However, there are companies out there that provide life insurance for climbers without much effort.

To find affordable life insurance rates, start with the best life insurance providers. Here’s a list of some of the top companies in the United States.

Average Monthly Life Insurance Rates and A.M. Best Rating by Company
CompanyAverage Monthly Life Insurance RatesA.M. Best Rating
Allstate$15A+
Banner Life$9A+
Guardian Life$10A++
Haven Life$11A++
John Hancock$11A+
MassMutual$10A++
Mutual of Omaha$12A+
Nationwide$13A+
New York Life$11A++
Northwestern MutualN/AA++
Pacific LifeN/AA+
PrimericaN/AA+
Principal$9A+
Protective$9A+
Prudential$16A+
State Farm$15A++
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These monthly premiums reflect the cost of term life insurance. If you need permanent life insurance, such as whole life insurance or universal life insurance, you may pay ten times as much.

Also, try companies like American Alpine Club insurance. American Alpine carries specialty insurance that serves climbers.

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What other insurance products do climbers need?

Some of the best life insurance companies offer other insurance products to complement a term life insurance policy, including disability insurance, short-term care insurance, and long-term care insurance.

Bundling separate policies save you money on life insurance for climbers, and it covers the gaps in coverage that life insurance doesn’t reach.

What information are life insurance companies interested in?

One of the most frequently asked questions is: What information do life insurance providers look for when issuing rates for climbers?

Rock climbing accident statistics should be the first place to look. According to the U.S. National Library of Medicine, there were at least 3,023 rock climbing accidents in the United States in 2020.

The next step is estimating how often you climb. If climbing is part of your job, the risk of getting into a climbing accident is higher, which can lead to h

How do you secure the best life insurance policy for climbers?

Buying life insurance for climbers is the same as any other profession, but there’s rarely a “one size fits all” life insurance plan out there.

Climbing life insurance costs depends on your age, health, lifestyle, and company. Therefore, you’ll have to shop around until you find the rate you can afford and the coverage you need.

Are you looking for free insurance quotes?

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Life Insurance for Climbers: What’s the bottom line?

Whether you’re a rock climber or general mountaineer, life insurance is standard under the right company. A life insurance provider may ask how often you climb. Frequent climbers could face more expensive rates.

Always shop around until you get the life insurance policy you need.

Now that you have more information about life insurance for climbers, use our free online quote tool to compare the top companies near you.

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

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