> make a person practically uninsurable, along with scuba diving, [...] and private aviation. I don't know about motorcycle racing, but scuba and private aviat

> make a person practically uninsurable, along with scuba diving, [...] and private aviation. I don't know about motorcycle racing, but scuba and private aviation are plenty insurable. $1M 20 year term life goes for ~$100/mo if you're a younger pilot. There will be a somewhat smaller set of insurers to choose from, and a couple of outliers who try to charge you way more.