Lifestyles can affect premiums. If your hobbies or occupation make you more likely to face an untimely death, than one is considered “high risk”. Pre-screened information assists the insurance company in determining how probable you are to die young. Many companies will not underwrite a policy if the client engages in dangerous or risky behavior.
However, there are some companies that will underwrite these types of policies. Even so, some insurance carriers have guidelines for activities, such as scuba diving and mountain climbing, for example. Your premium will most likely be high, but the company may take into consideration experience or certifications. Frequency of participation is a factor as well. If one limits or reduces in the engagement of risky activities, then the premiums may be lowered.