How many of you have tried to apply for life insurance and been the "good guy" and admitted to racing ? I just did so, thinking that if I explained the truth, that I race 1 event per year, it should not affect much. My original quote was $500 annually for a $1 million 20 year level term, but the underwriter came back with a price of $5000 annually because of the fact that I race that 1 event. They said that they cannot exclude the event, and that if I had lied and said I don't race, and they found out that I did it would void the policy leaving my family in a terrible spot. I grew up racing, and I want to continue to do an event or two per year but I can't do so at the expense of my wife and young kids. Did anybody else find an insurer that allows us to have a little fun without quoting unaffordable rates ? Geeesh, responsibility sucks. I remember when my biggest dilemna was which tires to run and how much pressure.