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Can't speak to race car / on-track insurance:
Life insurance is an other matter. If you plan to get some
life insurance and have been racing -you pretty well have to give
up the sport for (I believe) two years before the underwriter will
talk to you. THEN promise not to race. Unless you want to pay
an ADDITIONAL premium.
BUt there is a (term) life insurance Co. however, that I found willing
to underwirte a seven figure policy for me very REASONABLy knowing
that I race as an avocation about ten times/year. This co. is rated
highly and has been in buisness over 100 years.
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