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Bill, this has been quite a while back but, when i bought life insurance back when i was driving, part of the deal was no race cars, sky diving etc. however, the agent told me (and i was able to confirm it) that after two years of paying into the policy, they would pay up even if i "bought the farm" while participating in one of the forbidden sports/hobbies. i didn't tell him i was currently driving a race car but asked him "what if i would drive a race car in the future and get killed?" i don't know if it is the same today, or not. i would definitely ask in a hypothetical, "WHAT IF i was to drive a race car in the future?" way, before paying into a policy.
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