;

Avocation

An avocation would be a hobby or minor occupation, like skydiving, snowboarding or knitting.

An avocation would be a hobby or minor occupation, like skydiving, snowboarding or knitting.

Certain avocations are considered higher risk, and may result in a rate-up when applying for life insurance. That rate-up is typically determined by how often it's done or how risky it is.

For example: people who scuba dive may have a rate-up if they typically exceed a certain depth, dive more often than typical vacation/holiday trips, or dive to overhead environments (caves, shipwrecks, etc.)

Avocations that may have a rate-up include, but are not limited to:

  • Motorsports/Racing
  • Hang Gliding
  • Piloting/Aviation
  • Rock Climbing
  • Scuba Diving
  • Sky Diving
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