In reply to BusyLizzie:
Do you reckon the companies work from data about all the horrific deaths suffered by climbers, compared to the lard-arsed couch potatoes clogging up their arteries with Maccy D's every other night? Do they ask about diet and exercise?
I had trouble once just by being gay - I had to have an HIV test before they'd even give me a policy, and I'm in my 30's, this is not in the 80s!
It often seems like rather than collect data and ask questions that relate specifically to that data, these companies have people in an office saying things like "climbers - I bet they die all the time, especially that climbing they do with ropes" and then entering a risk percentage off the top of their head into a spreadsheet.
I mean, as both a homosexual and rock climber (let alone someone who's taken ecstasy in the past), it's basically a miracle that I'm here to write this post at all!