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:


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


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


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


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


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.


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
Updates & Legal gumph
Current Version 2.1
  • Added
  • Hey Bowlhead video
  • Updated
  • Lifeline guarantee extended to 10 years.
  • Plan RulesView Rules
  • Improved
  • Life insurance acceptance for mental health issues
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