## Does Northwestern Life Insurance Cover Skydiving?
Skydiving is an exhilarating and adrenaline-pumping activity that offers a unique perspective of the world below. However, it also comes with inherent risks that can lead to serious injury or even death.
As such, it is important to consider whether your life insurance policy covers skydiving before you take to the skies.
### Northwestern Life Insurance’s Policy on Skydiving
Northwestern Life Insurance’s policy on skydiving states that the activity is considered to be a “high-risk activity” and is therefore excluded from coverage under the policy. This means that if you are injured or killed while skydiving, your beneficiaries will not receive a death benefit from Northwestern Life Insurance.
### Exclusions to the Skydiving Exclusion
There are a few exceptions to Northwestern Life Insurance’s skydiving exclusion. These exceptions include:
Military skydiving: Skydiving while on active duty in the military is covered under Northwestern Life Insurance’s policy.
Commercial skydiving: Skydiving as a professional skydiver is also covered under Northwestern Life Insurance’s policy.
### Why is Skydiving Excluded from Coverage?
Northwestern Life Insurance excludes skydiving from coverage because it is considered to be a high-risk activity. Skydiving involves jumping out of an airplane at high altitudes and landing safely on the ground. This activity requires a high level of skill and training, and even experienced skydivers can be injured or killed.
### What if I Am Injured or Killed While Skydiving?
If you are injured or killed while skydiving, your beneficiaries will not receive a death benefit from Northwestern Life Insurance. However, you may have other insurance policies that may provide coverage for skydiving accidents. These policies include:
Accident insurance: Accident insurance provides coverage for injuries or death caused by accidents, including skydiving accidents.
Travel insurance: Travel insurance may provide coverage for injuries or death sustained while traveling, including skydiving accidents.
### How to Get Coverage for Skydiving
If you want to get coverage for skydiving, you will need to purchase a separate insurance policy. There are a few insurance companies that offer policies that cover skydiving accidents. These policies typically have higher premiums than standard life insurance policies.
### Conclusion
Northwestern Life Insurance’s policy on skydiving states that the activity is excluded from coverage. This means that if you are injured or killed while skydiving, your beneficiaries will not receive a death benefit from Northwestern Life Insurance. However, there are a few exceptions to this exclusion, and you may be able to get coverage for skydiving through a separate insurance policy.