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Chaser Life Insurance?
09-05-2009, 11:10 PM (This post was last modified: 09-05-2009 11:15 PM by wxchaser420.)
Post: #1
Chaser Life Insurance?
Seeing as the severe weather season is starting to get active again, i started to think logically about how dangerous chasing storms is. Someone could run you over or hydroplane into your car. You could get struck by lightning or sucked up in the tornado. If you think logically about how dangerous it is, it only makes since to consider taking out a life insurance policy. That way, atleast if i die my family will be okay. I am no expert on insurance, and i dont know about how the terms would apply. I feel that insurance companys may help if i die in a wreck, but if i died from a lightning strike, my loved ones would get no money. I guess i shouldent be looking at life insurance as an investment, but theres no bull shit out there. Im no spring chicken, ive been doing this for a while and ive been in some pretty frightning spots. Every time i go out, i know that i may never come home again and its frightning.

I guess what im asking is what should i do about getting a 2-year term life insurance deal? Will it cover acts of God or wrecks? Is the fact that i am a storm chaser going to effect whether payment will be rendered or not? Im a 20 year old man, im healthy im pretty sure i could get it fairly easy.
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09-06-2009, 12:40 PM
Post: #2
Chaser Life Insurance?
Terry Tyler Wrote:Seeing as the severe weather season is starting to get active again, i started to think logically about how dangerous chasing storms is. Someone could run you over or hydroplane into your car. You could get struck by lightning or sucked up in the tornado. If you think logically about how dangerous it is, it only makes since to consider taking out a life insurance policy. That way, atleast if i die my family will be okay. I am no expert on insurance, and i dont know about how the terms would apply. I feel that insurance companys may help if i die in a wreck, but if i died from a lightning strike, my loved ones would get no money. I guess i shouldent be looking at life insurance as an investment, but theres no bull shit out there. Im no spring chicken, ive been doing this for a while and ive been in some pretty frightning spots. Every time i go out, i know that i may never come home again and its frightning.

I guess what im asking is what should i do about getting a 2-year term life insurance deal? Will it cover acts of God or wrecks? Is the fact that i am a storm chaser going to effect whether payment will be rendered or not? Im a 20 year old man, im healthy im pretty sure i could get it fairly easy.

As a veteran storm chaser let me try and address your concerns. I do not know of any life insurance policy that has a provision against storm chasing. Maybe skydiving, but not chasing. So my guess is that if you are killed chasing, your beneficeries would not be denied. My insurance agent even knows I am a chaser and I send him pictures of my chases. Having said that, I probably should not of been volunteering information that is not required. But he did not say anything to me about that prohibiting any claims.

Every time you step out of your house you take a risk, and obviously if you are going to chase storms that risk is increased. Although I am sure there has been close calls, I do not know of any storm chasers that have been killed by a storm. However, sadly one of my chasers did lose his life last June in a car accident headed to meet some other chasers for a chase that was to begin the next day. The weather was clear, but he crashed into a truck while trying to avoid a deer. Also, a year or two ago a storm spotter (not a chaser) was killed by a storm in Southwest Missouri. My advice to you is if you do have a spouse and especially kids, you should have life insurance anyway. I do not know if there is any term insurance for only 2 years, but if there is I imagine it would be pretty inexpensive. My other advice is, if the thought of getting killed from storm chasing is that frightening to you, you might consider not doing it.
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09-06-2009, 03:36 PM (This post was last modified: 09-07-2009 02:07 AM by wxchaser420.)
Post: #3
Chaser Life Insurance?
steve Wrote:As a veteran storm chaser let me try and address your concerns. I do not know of any life insurance policy that has a provision against storm chasing. Maybe skydiving, but not chasing. So my guess is that if you are killed chasing, your beneficeries would not be denied. My insurance agent even knows I am a chaser and I send him pictures of my chases. Having said that, I probably should not of been volunteering information that is not required. But he did not say anything to me about that prohibiting any claims.

Every time you step out of your house you take a risk, and obviously if you are going to chase storms that risk is increased. Although I am sure there has been close calls, I do not know of any storm chasers that have been killed by a storm. However, sadly one of my chasers did lose his life last June in a car accident headed to meet some other chasers for a chase that was to begin the next day. The weather was clear, but he crashed into a truck while trying to avoid a deer. Also, a year or two ago a storm spotter (not a chaser) was killed by a storm in Southwest Missouri. My advice to you is if you do have a spouse and especially kids, you should have life insurance anyway. I do not know if there is any term insurance for only 2 years, but if there is I imagine it would be pretty inexpensive. My other advice is, if the thought of getting killed from storm chasing is that frightening to you, you might consider not doing it.

Thanks for the advice, Steve. Do you have any ideas of what companys i should begin looking for, or what kind of price a month should i expect to pay? I assume based on your post that the way you die doesnt neccesarily effect whether payment is rendered, just that you were covered at the time of your death. I have heard that insurance companys like to manipulate the fine print and find excuses why they dont need to pay for their clients. i.e, he had a computer in his car at the time of his death, he may have been distracted; or he was struck by lightning, willfully aware of the risks at hand, or any other thing they could pull out. The only reason i would consider this policy would be to provide security to my family. I dont have no kind of death wish, but I love storms, they are my lifes passion. The only thing i am saying is, its dangerous and I am concerned about my loved ones security if i should die.
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09-06-2009, 04:10 PM
Post: #4
Chaser Life Insurance?
Terry Tyler Wrote:Thanks for the advice, Steve. Do you have any ideas of what companys i should begin looking for, or what kind of price a month should i expect to pay? I assume based on your post that the way you die doesnt neccesarily effect whether payment is rendered, just that you were covered at the time of your death. I have heard that insurance companys like to manipulate the fine print and find excuses why they dont need to pay for their clients. i.e, he had a computer in his car at the time of his death, he may have been distracted; or he was struck by lightning, willfully aware of the risks at hand, or any other thing they could pull out. The only reason i would consider this policy would be to provide security to my family. I dont have no kind of death wish, I love chasing storms, its my passion. The way i see it, we are all going to die one day. No point in letting fear stop you from what you want to do. The only thing i am saying is, its dangerous when your out there. Hopefully, i will survive and get to continue on living my life, and not have to worry about it. But, in the event the worst happens. I dont want is my already poor parents worry about how to pay for a funeral for their son.
Although I have never heard of storm chasing being a provision against a payout, I think it is best you talk to an insurance agent about what is covered and what is not.
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09-06-2009, 04:15 PM
Post: #5
Chaser Life Insurance?
Ok, thank you very much Steve.
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