I like to live on the edge, am I still insured?

I’m a thrill seeker and do all sorts of dangerous stuff, does this invalidate my insurance?

We’ve tried to keep our plan terms and conditions down to an absolute minimum, we don’t want people thinking that they’re insured, but then watching down from heaven (or up from hell, we accept all sorts) as their family realise there was a piece of small print which meant they weren’t.

If you’ve been accepted for a plan, then the only things that would mean you don’t get your payout if you die are as follows:

Your death is caused by suicide (we will review this clause every 12 months and remove it where we can, we’ll keep you updated on this)
You die whilst on active military duty (including reserve / voluntary services)
You deliberately lie or withhold information from us at any time
You die whilst doing anything on our DeadHappy list of extremely dangerous things:

Diving

We’re concerned with the water variety (not the football type), and specifically related to you being 20m below the surface

Flying

If you are just a regular fare paying passenger, other than being dead, you’ll be fine. Any other flying is a problem.

Racing

Anything with an engine, or anything on an ocean. Stuff like pigeons, and anything with an egg and a spoon are all OK.

Climbing

Specifically up mountains, cliff-faces, rocks, and big buildings. Beds are not a problem, bunk-beds are the ones to watch.

Floating

The clue is usually in the name on this one, so anything with rapid or wild in it is bad news. Floating on air is classed as flying.

Jumping

From anything you don’t own, buildings, antennas, span (bridges), and earth (cliffs). It’s pretty base-ic. See what we did there?

in Life insurance
Helpful?
Updates & Legal gumph
Current Version 2.1
DeadHappy
  • Added
  • Hey Bowlhead video
  • Updated
  • Lifeline guarantee extended to 10 years.
  • Plan RulesView Rules
  • Improved
  • Life insurance acceptance for mental health issues
What's in the cookie jar?

This site has a penchant for cookies. Not the tasty ones but the little bits of information that are collected through your browser from specific services that we use. Here you can decide what cookies to keep. It's worth noting though that not keeping all the cookies may impact the overall tastiness of this site and the services we're able to offer.

Decisions. Decisions.

Click to enable/disable Google Analytics tracking code.
Click to enable/disable Google Fonts.
Click to enable/disable Google Maps.
Click to enable/disable video embeds.
Our website's got a thing for cookies. We hope you like them too...