Are you an adrenaline seeker who skydives, scuba dives, and pilots a private plane in your spare time? If you are, then I have some advice for you when it comes to shopping for term life insurance.

People who participate in extreme sports usually have a very difficult time finding a life insurance company willing to provide coverage, and if those people find a willing life insurance company, the premium payments will likely be sky high. Even if you are in perfect health, your lifestyle allows a life insurance company to put you in the “high risk” category, meaning that the activities you engage in could possibly cause an untimely death too soon, in the carrier’s eyes.

When shopping for life insurance coverage if you’re an extreme athlete, follow the tips below:

Shop around – Most carriers follow different guidelines when insuring extreme athletes. One carrier may charge a lower premium than another depending on the risky behavior, so be sure to get several quotes before you chance paying too much.

Know your sport – Be the best at what you do by getting certified in the extreme sport or taking educational classes to improve your performance. For example, if you are a scuba diver, take the time to get PADI certified. This will show the life insurance company that you value safety and are serious about the sport.

Tell the truth – One of the worst things you can do when applying for life insurance is to lie on your application. If something devastating happens to you while participating in an extreme sport, your life insurance company can deny a death claim if they were unaware of your risky behavior.

If you are an extreme athlete seeking affordable life insurance coverage, get term life insurance quotes online from a multi-carrier brokerage firm. The experienced agents at these firms will compare life insurance rates with top-rated companies to make sure you get the best term life insurance for your lifestyle.