In reply to Tufas Mum:
We're 'only' climbers, but Mr Lanky suction works in the business (not as a guide), and I climb a lot! When we bought our house, we managed to get a reasonable quote from Standard Life through Summit Financial services (may have been through BMC website?). It's only for mortgage protection though.
We had some crazy quotes - £160 per month from one! I think you just need to shop around.