In reply to ByEek: I used summit for life insurance this year. Aviva quoted less than £20 to cover my mortgage, until I mentioned climbing, then uninsureable.
Completed the climbing questionaire for summit and hey presto, an Aviva policy for 50p more than my original quote, so still less than £20 per month for £118K.
Seems to me summit know something the general insurers dont, eg were are not suicidal!
Gavin