Real Rate is based on your application and third party data obtained during underwriting.

Insurance quotes provided by Livelihood Life, Inc who is the licensed agent. Policies for term insurance are provided by Sagicor Life Insurance Company or Mutual of Omaha and offered through Livelihood Life, Inc. Policy and rider form numbers and features may vary by state and coverage may not be available in all states. Issuance of coverage may be subject to underwriting review and approval. Please see a copy of the policy for the full terms, conditions and exclusions.

© 2020 by Livelihood Life, Inc. 

Finally. Life insurance that actually protects climbers.


Climbers are getting denied life insurance due to the high risk sport.


If you’re involved in extreme sports, like climbing, bouldering, or mountaineering, insurance may be a little harder for you to get. Fortunately, we partnered with companies that sees things a little different and more like this:

A high Health IP is correlated with a 36% lower risk of early death

Climbing can help lower risk of heart disease by 18%


Climbing is associated with a 45% lower risk of cancer



Life Insurance For Climbers Just Got Easier

Insurers don’t like to cover excessively dangerous activities, but that doesn’t mean you should have to give up your passion. Fortunately, there’s a chance you won’t have to.

An Easy, Fast Application.

If you've been meaning to get life insurance for a while, consider this: People have gotten covered with us in the time it takes to wait for coffee. Seriously.


We Can Save You Money.

Our online application questions and real time underwriting enable us to calculate the best price for you & we don't have a fleet of agents. 

A Plan That Fits Your Lifestyle. 

With our life insurance product for climbers, you'll also be getting basic travel coverage to wherever you'll be.


Using science to insure you & loved ones


We spent years researching how a high Health IP and an active climbing lifestyle correlate with positive health outcomes so we can mitigate the inherent risk of the sport and issue you coverage.

Health Literacy Research

A high Health IP is correlated with a 36% lower risk of early death

Active Lifestyle Research

Climbing is associated with a 45% lower risk of cancer


Climbing can help lower risk of depression by 41%


Let's get started.


76% of our exclusive rate clients get the top rate class


Time to take action.