Many of us have gone through the drill: the life insurance sales person extols the benefits of a policy and the attractive price. We consider it and recognize that the coverage is appropriate for us, so we say we’ll buy. Then comes the application, which asks if we engage in any “hazardous” activity. “No,” we think, “we declined the course in sword swallowing in college and quit juggling chain saws once we got out of our teens.”
Then we see that the definition of “hazardous” lumps flying oneself in an airplane in there with rock climbing and scuba diving.