Non-Medical Risks

Depending on the specific details of each case, the risk may be:
1) Standard, or
2) Standard but with an exclusion that applies to the entire policy (the life, critical illness and disability insurance), or
3) Your client will be declined for Synergy

Activity	Factors impacting decision	Likely underwriting decision
Aviation: Commercial or military	Pilot/crew	Decline
Aviation: Private pilot	Not flying professionally Up to 300 hours a year ATP licence or student Fixed wing or helicopter Factory built Recreational only Not using a private airstrip Not using a private airstrip Not flying over large bodies of water or mountainous regions No aviation accidents No warnings/action re: violation of air regulation No operational limits on medical restriction	Standard
Back country skiing / snowboarding / snowmobiling	Type of activity How often How often in the next 12 months Solo participation Location Carry safety gear (i.e. GPS, avalanche receiver, etc.) Related accidents	Depending on the details, decision could be: Standard Standard with back country exclusion on all coverages Decline
Ballooning or ultralight flying	Recreational vs. professional Type of craft Launch method Factory or home assembled Valid licence Type of flying Number of years of experience Type of terrain Club/association member: name and website Total number of flights to date Number of flights in next 12 months Average height Longest distance Any reportable accidents	Depending on the details, decision could be: Standard Standard with ballooning and ultra-light exclusion on all coverages Decline
Hang gliding / parasailing	Type of craft Factory or home assembled Do you carry a parachute Launch method Club membership: name and website Type of terrain Officially approved sites only Any reportable accidents Years of experience Number of flights to date Number of flights planned in the next 12 months	Depending on the details, decision could be: Standard Standard with hang gliding/parasailing exclusion on all coverages Decline
Motor racing	Type of vehicle Number of years of experience racing Number of races in past 12 months Number of races planned in next 12 months Maximum speed Average speed Make/model/engine size and horsepower Type of track/surface Any stunt driving Class of racing/competition Member in an association/club: name and website Any accidents	Depending on the details, decision could be: Standard Standard with racing exclusion on all coverages Decline
Mountain climbing	Location of climbs Number of years of experience Number of climbs per year Degree of difficulty Time of year of climbs Height of climb Duration of climb Highest climb and date of that climb Maximum technical grade of your climbs (i.e. Yosemite Decimal System: Grade 5.4) Courses taken Type of equipment carried Club membership: name and website climbing club Solo climbs Planned climbs in the next two years Previous injuries related to climbing	Depending on the details, decision could be: Standard Standard with racing exclusion on all coverages Decline
Scuba/skin diving	Industry recognized certification (PADI, NAUI, YMCA) Recreational open water only Up to 120’ Ocean, lake, river, pool No mixed gas No decompression dives Duration of climb No solo dives	Depending on the details, decision could be: Standard
Skydiving/parachuting	Type of certification/licence When did you receive certificate and from what organization Type of parachuting Any BASE dives Club membership: name and website All jumps at a club drop zone or site approved by club Night jumps Floatation gear required Special gear Any accidents or documented infractions Number of jumps planned in next 12 months Total number of jumps	Depending on the details, decision could be: Standard Standard with skydiving/parachuting exclusion on all coverages Decline
Other hazardous activities	Type of activity Frequency of participation How often in the next 12 months Certification required Participate at a competitive or professional level Related accidents	Depending on the details, decision could be: Standard Standard with exclusion on all coverages Decline