Non-Medical Risks
Aviation: Commercial
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Certified air carriers and commuter airlines that are strictly regulated and have very good experience. Pilots who have a commercial license and fly smaller aircraft for a variety of purposes. |
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Requirement: Aviation Questionnaire
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Pilot of commercial passenger air carrier may qualify for Healthstyle 1, 2 or 3
Aviation exclusion not offered when the insured's livelihood is from aviation, or when applying for survivorship or joint policies. |
Aviation: Private
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Private pilots are those who are licensed as private pilots (whether they have IFR or not) and fly for recreational and business reasons. Business flying in this category refers to non-professional pilots (not flying for pay) flying for business purposes not aviation related. |
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Requirement: Aviation Questionnaire
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Risk is based on annual hours flown
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Aviation: Sport
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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This covers a number of types of recreational flight activities, which include the use of non-conventional aircraft, competition or performances. |
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Requirement: Ballooning/Hang Gliding/Ultralight Questionnaire
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Risk is based on the base aviation risk, where applicable, as well as the type of special risk
An exclusion may be offered but
only on individual policies and not
on joint policies.
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Climbing: Rock, Mountain or Cliffs
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Requirement: Mountaineering Questionnaire
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Depending on the height of cliffs and location, generally can offer standard coverage, otherwise $2.50 to $3.50/mil in general. |
Climbing: Ice and/or Snow
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Requirement: Mountaineering Questionnaire, Foreign Travel Questionnaire (if applicable)
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Rating of $3.50/mil to decline, depending on location, type of terrain and height |
Climbing: Trail Trekking
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Requirement: Mountaineering Questionnaire, Foreign Travel Questionnaire (if applicable)
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Generally standard if activities within North America or Europe. Otherwise $2.50/mil in addition to the foreign travel assessment |
Driving
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Motor vehicle accidents are the primary cause of death at younger ages.
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Requirement: MVR
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DUI cannot be considered for a minimum of 6 months following completion of the suspension. If there are other infractions, cannot consider for 12 months
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Foreign Travel
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Requirement: Foreign Travel Questionnaire
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Do not submit an application with any travel planned or expected in the next 30 days. In this case, wait until the applicant’s return
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Motor Vehicle Racing
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Requirement: Automobile Racing Questionnaire
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Best case: standard
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Scuba Diving
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Requirement: Scuba Diving Questionnaire
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Most average, recreational divers are standard risks
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Snow Sports: Skiing, Snowboarding or Snowshoeing
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Requirement: Backcountry Snow Sport Questionnaire, Foreign Travel Questionnaire (if applicable)
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Most average, recreational, 'in-bounds' participants are standard risks.
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Snow Sports: Snowmobiling
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Requirement: Backcountry Snow Sport Questionnaire, Foreign Travel Questionnaire (if applicable)
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Most average, recreational, trail riders and racers are standard risks.
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Snow Sports: Other e.g. bobsled, hockey, ice boating, luge
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Requirement: Backcountry Snow Sport Questionnaire, Foreign Travel Questionnaire (if applicable)
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Most average, recreational participants are standard risks. |