I'm speculating that the difference between the rock climbing and your partner smoking is that lung cancer doesn't usually kill people without warning. It can take months or even years (there are exceptions, of course).
That would give the company plenty of time to find another key man (and the insurance company plenty of time to cancel the key man insurance). Rock climbing deaths tend to be of a more sudden nature.
Nah, without evidence I propose that it's simply that smoking is so common, allowances are made. If every key-man insurance policy prohibited smoking, too many deals would fall through and the insurers wouldn't have any business. Rock climbing is just more esoteric and therefore easier to put a "NO" to.
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I'm speculating that the difference between the rock climbing and your partner smoking is that lung cancer doesn't usually kill people without warning. It can take months or even years (there are exceptions, of course).
That would give the company plenty of time to find another key man (and the insurance company plenty of time to cancel the key man insurance). Rock climbing deaths tend to be of a more sudden nature.
Nah, without evidence I propose that it's simply that smoking is so common, allowances are made. If every key-man insurance policy prohibited smoking, too many deals would fall through and the insurers wouldn't have any business. Rock climbing is just more esoteric and therefore easier to put a "NO" to.
In that case... Do you then need the nsurance?