Don't even mention rock climbing in your insurance application. At my last company we got key man insurance on one of the founders. He had done rock climbing in the past and might do it in the future, but it had been 3-4 years. Nonetheless he included it on the list of activities the questionnaire asks about. Next thing you know a simple process was drawn out over months and his premium was higher even than a smoker.
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Don't even mention rock climbing in your insurance application. At my last company we got key man insurance on one of the founders. He had done rock climbing in the past and might do it in the future, but it had been 3-4 years. Nonetheless he included it on the list of activities the questionnaire asks about. Next thing you know a simple process was drawn out over months and his premium was higher even than a smoker.