Anchor intro: Extreme sports, like bungee-jumping, may seem like fun, but the fun could stop when it’s time to buy insurance. Because extreme sports could lead to extremely high prices.

SOT: “From when I was little I’ve always been interested. I did a lot of sacrifices and a lot of things. I changed my lifestyle for this. I came here to do the training for Rome … from Italy. I quit my job, I left my family there, I arrived here just to do the training.”

Voice over 1: You’ve got to do what you’ve got to do. But if what you’ve got to do is considered risky by insurance companies, what they’ve got to do is charge a ton for life insurance.

Voice over 2: How much your company socks it to you depends on the hobby, how new it is, and how experienced you are, but in general, if you’re regularly defying death, you’ll pay two or even three times the cost of your wimpy peers. So what do you do?

Voice over 3: Group coverage at work may help: but it’s possible that risky hobbies are specifically excluded. Check with your employer.

Voice over 4: Other tips: First, shop hard: Rates vary widely when it comes to insuring thrill-seekers. You can try to negotiate, but don’t expect miracles. You can exclude your sport from coverage, so your policy won’t pay if you die doing it. You can you can use credit life to insure your biggest debts. Or ask fellow thrill seekers for companies that specialize.

Standup: If you only do risky stuff occasionally, like on vacation, you really have nothing to worry about. But if you become addicted to that rush, keep in mind your life insurance company may rush to raise your rates. For Bankrate.com, I’m Kristin Arnold.