[Whalen3186]

I have been a agent since 1988. Don is right, you need to ask, don't assume anything. I have written life insurance on many racers, most of it with no rates or riders, just be up front and be able to explain drag racing in the underwritting process. In Illinois, you have a 2 year contestability clause, which means if death happens in the first two years the companies have a right to investigate and can deny a claim if something wasn't disclosed, such as racing and if that is what the cause of death was. If you have an old policy that was taken out before you started racing, it should be alright, unless there was specific wording that excluded racing. Again you need to read up and ask questions, you really don't want your family to find out after the fact that the coverage was not any good. As far as health insurance, there seems to be more ways out of paying claims these days than ever before, I caution everyone not to rely solely on a sanctioning body's insurance to take care of your medical bills if something should happen.