Weird Life Insurance Questions You Are Too Afraid to Ask (But Shouldn’t!)

Life insurance can feel serious — even intimidating — which means many people keep their most curious questions to themselves. The truth? Agents hear everything, and there’s almost never a question that’s too unusual to ask.

Here are some of the most common (and slightly weird) life insurance questions we hear — plus a few you may not have thought about yet.

Can I Still Get Life Insurance If I Have a Dangerous Hobby?

Usually, yes. Activities like rock climbing, skydiving, private aviation, scuba diving, or racing don’t automatically disqualify you. Insurers simply want to understand the level of risk.

You may be asked:

• How often you participate

• Your level of training or certifications

• Whether the activity is recreational or professional

• Future plans related to the hobby

Depending on the details, your premium may be slightly higher, but coverage is often still available. The key is honesty — inaccurate information could affect a future claim.

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If I Quit Smoking, Can My Rate Go Down?

Yes — many policies can be re-rated after you’ve remained tobacco-free for a period of time (often 12–24 months). Once you qualify for a non-smoker classification, your premiums could drop significantly. Your Holley Insurance Advisor can help request a review when the timing is right.

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What If I Lose a Significant Amount of Weight?

Improving your health can work in your favor. If weight loss is the result of sustained lifestyle changes — not illness — insurers may consider a re-rating after the new weight has been maintained for a period of time. Each carrier has different guidelines, but it’s always worth asking.

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Does My Job Affect My Life Insurance?

Sometimes. Occupations involving higher physical risk — such as construction work, aviation, offshore jobs, or certain industrial roles — may affect pricing. However, many people in these fields still qualify for very competitive coverage, especially when strong safety practices and experience are documented.

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What Happens If I Forget to Mention Something on My Application?

It depends on the situation, but accuracy is extremely important. Honest applications help ensure claims are paid smoothly. If you realize you left something out, let your agent know right away — corrections can often be made.

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Can I Have More Than One Life Insurance Policy?

Absolutely. Many people layer coverage over time — for example, adding an additional policy when buying a home, starting a business, or growing their family. Multiple policies can be a smart way to match coverage to different life stages.

The Bottom Line

Life insurance doesn’t have to be confusing — and no question is too unusual to ask. At Holley Insurance, our team’s job is to walk you through the process, answer the “what-ifs,” and help you find coverage that fits your real life (hobbies, career, and all).

Have a life insurance question you’ve been wondering about? Let’s talk — we’re always happy to help.

 

 

A little more about Holley Insurance…

Holley Insurance was founded in 2000, and retains a core base of loyal clients. We have locations in Roanoke, Rocky Mount, and Forest, VA. As an independent insurance agency, Holley 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.