Life insurance you can count on

Customized Life Insurance specifically formulated and guaranteed to cover active lifestyles.

MTB Life Insurance Offers:

Guaranteed payouts with no hidden loopholes.

Living benefits that pay out if you get hurt or injured. (You don't need to die to access the coverage)

Up to $3,000,000 in coverage with no blood test.

Starting as low as $11.18 a month.

Apply in as little as 15 minutes.

Life Insurance that covers you on and off the trail.

For a no obligation quote:

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Do You Use Tobacco? *

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From one rider to another, we work for you, not the insurance carrier!

A message from our founder

Ride Safe...

Ride Fast...

Ride With Confidence!

Get coverage fast. No hidden loopholes and guaranteed to pay. Once your coverage is in place, it will never change.

You Can Ride With Confidence

Knowing that your loved ones are protected, no matter where the trail takes you. Our specialized life insurance plans are designed for mountain biking dads like you, combining the thrill of the ride with the peace of mind that comes from knowing your family’s future is secure. Whether you're tackling rugged terrain or cruising down your favorite singletrack, our coverage ensures that the most important people in your life are safeguarded, so you can focus on the adventure ahead.

Custom Tailored To Your Needs

Our life insurance plans provide the flexibility and coverage that fits your lifestyle as a mountain biking dad. We understand that every rider is different, which is why we offer options that cater specifically to your unique circumstances. Whether you're an occasional weekend warrior or a dedicated trailblazer, our policies are designed to adapt to your personal and financial goals, ensuring you and your family are always protected, both on and off the trail.

No Medical Exam Required

With coverage up to $3,000,000, our no medical exam life insurance offers you a quick and hassle-free way to protect your loved ones. Skip the lengthy process and get the peace of mind you deserve with minimal effort—because securing your family's future shouldn't be complicated.

Comes With Living Benefits

Our custom tailored MTB Life Insurance plans offers you more than just a safety net for your loved ones. Our life insurance plans not only provide protection in the event of the unexpected but also offer you access to your benefits while you're still alive. Whether you face a critical illness, chronic condition, or simply want to enhance your quality of life, these benefits ensure that you have the financial support you need when it matters most, allowing you to continue enjoying the ride with confidence.

Best Pricing

We offer the best pricing on our life insurance plans, ensuring that you get maximum coverage at a cost that fits your budget. With competitive rates and exceptional value, you can protect your family without compromising on quality or affordability.

Quality Coverage

As a broker-owned family company, we’ve made it our mission to work only with the best life insurance carriers in the industry. Out of the 727 life insurance carriers across the USA, we’ve handpicked about five that meet our stringent standards—no BS loopholes, no hidden clauses, just straightforward coverage you can rely on. These carriers have been in business for over 100 years, proving their stability and commitment to protecting families like yours for generations to come. When you choose us, you choose peace of mind.

Get Started Below With a

Free Quote

How Much Coverage Is Needed? *

What state do you live in? *

How tall are you? *

What is your current weight? *

What is your date of birth *

Male/Female? *

Do You Use Tobacco? *

Who is your beneficiary? *

What's Your First Name? *

What's Your Last Name? *

Email *

Phone *

I Consent to Receive SMS Notifications & Communication. Message frequency varies. Message & data rates may apply. You can reply STOP to unsubscribe at any time.

FAQ's

What are living benefits, and how do they work with my life insurance policy?

Living benefits let you access a portion of your policy's death benefit if you're diagnosed with a serious illness or injury. This means you can use the money while you're still alive to cover medical bills, mortgage payments, or any other expenses.

Will my mountain biking hobby affect my life insurance premiums or coverage?

It might. Insurers consider mountain biking a higher-risk activity, which could lead to higher premiums or certain exclusions. However, our policies are designed to specifically cover MTB riders and more without the higher cost.

Can living benefits help cover medical costs if I’m injured while mountain biking?

Yes, if you’re seriously injured, living benefits can be used to pay for medical treatments, rehab, or any other costs associated with your recovery, giving you financial peace of mind.

How much life insurance coverage do I need to protect my family?

Consider your income, debts, future expenses like college tuition, and your family’s financial needs. A good rule of thumb is 8-10 times your annual income, but personal circumstances may require more or less.

What types of living benefits are available with life insurance policies?

Common living benefits include critical illness, critical injury, chronic illness & terminal illness riders. These benefits allow you to access part of your death benefit if you meet certain conditions.

How does the application process work, and what medical exams or questions will I need to answer?

You'll typically complete an application and may undergo a medical exam for over $3,000,000 in coverage. Expect questions about your health, lifestyle, and activities like mountain biking, as they help determine your premium and coverage.

Can I customize my policy to include additional riders or features that suit my needs?

Yes, most policies offer customizable options. You can add riders like accidental death or disability waiver, ensuring your policy fits your lifestyle and future needs.

What happens if I decide to change my policy or need more coverage later on?

Many policies allow you to adjust coverage as your needs change. You can increase your death benefit, add riders, or even convert your term policy to permanent coverage.

Are there any exclusions or limitations I should be aware of regarding my lifestyle or hobbies?

Some policies may exclude coverage for injuries from high-risk activities. All our policies cover mountain biking. It’s important to review your policy carefully and discuss any concerns with your insurer.

How will my family receive the death benefit if something happens to me?

Your family will need to file a claim with the insurance company. Once approved, they’ll receive the death benefit, which can be used for any expenses. The check is tax free and your family should receive the check within 7-14 days.

Our office is located at 490 Chadbourne Rd a100, Fairfield, CA 94534 but we service all 50 states.

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