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Let’s be honest — life insurance isn’t exactly light dinner conversation. It can feel serious, technical, and maybe even a little awkward. So instead of asking your agent, a lot of people turn to late-night Google searches.
Good news: we’ve heard it all. Truly. And there’s no such thing as a “weird” question when it comes to protecting your family.
Here are some of the most common (and slightly off-the-wall) life insurance questions we hear at Blue Marsh Insurance— along with real answers.
“Can I Still Get Life Insurance If I Jump Out of Perfectly Good Airplanes?”
Short answer: probably, yes.
Whether it’s skydiving, scuba diving, racing, private aviation, or scaling mountains for fun — insurers don’t automatically say no. They just want details.
You’ll likely be asked:
- How often you do it
- Your training or certifications
- Whether it’s recreational or professional
- If you plan to keep doing it
Depending on the risk level, your premium might be a bit higher. But coverage is often still very doable. The key? Be honest. “Forgetting” to mention your weekend hobby of cliff diving is not a great long-term strategy.
“If I Quit Smoking, Do I Get a Gold Star… and Lower Rates?”
Yes — and yes.
Many carriers will reconsider your rate after you’ve been tobacco-free for 12–24 months. Once you qualify for a non-tobacco rating, the savings can be significant.
So if you’ve kicked the habit, it’s worth asking for a review. Your lungs (and wallet) may thank you.
“What If I Lose a Bunch of Weight?”
First — congratulations! That’s no small feat.
If your weight loss is the result of sustained lifestyle changes (not a temporary situation), insurers may re-evaluate your rating after you’ve maintained it for a period of time. Not every carrier handles this the same way, but it’s absolutely worth a conversation.
Healthy habits can pay off in more ways than one.
“Does My Job Make My Life Insurance More Expensive?”
Sometimes — but not always.
If you work in construction, aviation, certain industrial roles, or other higher-risk fields, insurers may look a little closer at your application. That said, plenty of people in these careers qualify for competitive coverage — especially with strong safety records and experience.
Having a “dangerous” job doesn’t automatically mean outrageous premiums.
“What If I Forgot to Mention Something on My Application?”
Deep breath.
If you realize you left something out, let your advisor know as soon as possible. Fixing it early is much better than having questions come up during a future claim. Accuracy keeps everything smooth and stress-free down the road.
“Can I Have More Than One Life Insurance Policy? Is That… Allowed?”
Absolutely allowed. Totally normal.
Many people layer coverage over time — adding a policy when they buy a home, start a family, or launch a business. Different policies can serve different purposes and timelines. Think of it as building protection in stages. For example, many people have life insurance through work plus an additional outside policy. In fact, that’s a smart thing to do!
The Bottom Line
Life insurance doesn’t have to feel intimidating. And you don’t have to whisper your questions like they’re classified information.
At Blue Marsh Insurance, we’re here for the real conversations — the “what if” scenarios, the unusual hobbies, the career questions, and everything in between. Our job is to make this process clear, comfortable, and maybe even a little less boring than you expected.
Have a life insurance question you’ve been quietly wondering about?
Go ahead. Ask it. We promise we’ve heard weirder.
Request your complimentary life insurance proposal here!
A little more about Blue Marsh Insurance…
When he founded Blue Marsh, Tom Davenport wanted to create a different kind of insurance company. One that’s built on personal relationships and a local presence. One where you, the customer, feel more like a friend.
As an independent insurance agency, Blue Marsh Insurance represents a carefully selected group of financially strong, reputable insurance companies. Therefore, we are able to offer you the best coverage at the most competitive price.
If you’re interested in starting a quote online or having us take a look at your current policies, click here!