No one who responded knows life insurance. This discussion so far has been about both life insurance and health insurance.

Currently the insurance industry works in their interest and not ours. When they started out it was a pooling of risk and anyone who could pay would get an equal share. Now there are qualifiers on who can get insurance and at what rate.

Rates for life insurance are not effected by any sport other than a few risky ones. They will still let you buy insurance if you sky dive or dive deeper than 50 feet. However, you policy is "rated" which means you pay more for insurance than someone else. It's not a penalty but calculated by death tables and rates at age. It's just a statistical thing.

Rates for health insurance are not reduced by healthy lifestyles. Some companies have started trying to plug a new type of coverage for people with some genetic/biometric characteristics. Hopefully this will not catch on as their hurdles are unrealistic.