life insurance and that ?
i know this come s up quite bit and if this has been done to death (ha) please point me at the appropriate .
i ve got cover through summit financial services thats quite pricey but should pay out come what may. however i want to get some more cover at more normal prices but realise that if i dont disclose "climbing , mountainnering, base jumping etc" even if i get hit by a bus they can choose not to pay out. So what if i get some normal cover but ask them to exclude the risky stuff hence present less of a risk ? has anybody done this ?
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