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 In Managing Life Events

When the weather starts to get warmer, you may find yourself driving down the highway on a sunny weekend and noticing more motorcycles on the road. As the riders cruise past into the distance and out of our field of vision, we’re reminded just how fast (and adrenaline pumping) these vehicles can be.

Here’s an interesting fact: we shared our roads and highways with over 8.5 million motorcycle drivers in the past year. As a rider himself, Stuart can tell you that piloting a motorcycle is a joy, but also an activity that requires taking plenty of safety measures. The beginning of Spring time and hotter temperatures offers many of us the chance to enjoy outdoor activities, and motorcycle safety goes hand in hand with Motorcycle Awareness Month, which takes place in May! According to the National Highway Traffic Safety Administration, riders are five times more likely to be injured compared to those in passenger vehicles. To help combat this, riders should:

—Wear a DOT compliant helmet and other safety gear.

—Ride in the middle of the lane where other drivers can see you.

—Obey the same traffic laws as if you were driving a vehicle.

If I ride a motorcycle, should I consider a life insurance policy?

Yes! This is especially true if you are an older driver, as older motorcyclists account for more than half of all motorcyclist fatalities. While none of us like to dwell on the thought of being in a fatal accident, having a life insurance policy will give your family and loved ones peace of mind in the event that it were to happen.

Will riding a motorcycle raise my rates?

This may come as a surprise, but you will NOT be penalized for riding a motorcycle! Unlike scuba diving, sky diving, or rock climbing, having a motorcycle is not considered a “hazardous activity,” and thus, your bike will not be an issue unless you actively race it.

What sort of life insurance policy should I consider?

When it comes to motorcycle safety, there are different kinds of life insurance policies available. We recommend most riders go with a term life insurance policy, as it allows you to purchase the exact amount of insurance you need.