Avocation risk is the additional mortality risk that arises from hazardous non'occupational activities and hobbies, such as technical climbing, deep scuba diving, auto racing, skydiving, big'game hunting, or backcountry skiing. Insurers evaluate avocation risk separately from occupational risk because these pursuits are voluntary and can vary widely in skill level, safety practices, and exposure. Key underwriting factors include frequency, environment, training, equipment, and history of accidents. Elevated avocation risk may be addressed through flat extra premiums, policy exclusions, or, in extreme circumstances, declination. Accurately assessing avocation risk helps carriers price coverage fairly for both risky and non'risky applicants.

Underwriters use avocation risk assessments when applicants disclose high'risk hobbies on the application or questionnaires. Advisors gather detailed descriptions of the activities and often pre'underwrite with carriers known to be more flexible about certain avocations, such as recreational scuba within depth limits. They explain to clients how avocation risk differs from everyday fitness or travel and why additional premiums or exclusions may be necessary. In some cases, clients modify their activities or frequency to secure better terms. Understanding avocation risk enables advisors to balance full disclosure with thoughtful carrier selection and to communicate clearly about how hobbies impact insurability.