Page 32 - iA Excellence -Field Underwriting Guide - Updated on July 2019

AVOCATIONS AND HAZARDOUS SPORTS (RECREATIONAL)
Business line
Life DI
Motor vehicle racing
From Standard to Exclusion to Rating and
Subject to type, speed reached, location Contractual exclusion
Exclusion
Aviation
Subject to type, type of aircraft, number of
Occupational: Commercial or private Contractual exclusion
hours: Rating to Exclusion
Subject to type, type of aircraft, number of Motorized: Contractual exclusion
Recreational
hours: Rating to Exclusion Non-motorized: Exclusion
Boxing/Kickboxing
Amateur – no combat Standard Exclusion
Amateur with combat Standard Decline
Professional Rating Decline
Bungee jumping, hang gliding, heli-ski, cat-ski, skiing that necessitates anti-avalanche equipment
Bungee jumping Rating Exclusion
Hang gliding Standard Exclusion
Heli-ski, cat-ski, skiing that necessitates Rating to Decline Decline
anti-avalanche equipment
Martial arts
Amateur – no combat Standard Exclusion
Amateur with combat Standard Decline
Professional Standard Decline
Extreme Decline Decline
Mountain/Rock/Ice climbing
< 13,000 feet (4,000 m): Standard < 13,000 feet (4,000 m): Standard
Mountaineering, hiking, tracking
≥ 13,000 (4,000 m): Rating ≥ 13,000 (4,000 m): Exclusion
Amateur: < 13,000 feet (4,000 m): Standard
Mountain/Rock/Ice climbing, subject to ≥ 13,000 feet (4,000 m): Exclusion to Decline Amateur: Exclusion to Decline Professional:
location Decline
Professional: Usually Decline
Scuba diving (subject to above general criteria, no diving alone)
Snorkel Standard Standard
Other
Up to 75 feet Standard Standard
> 75 feet ≤ 150 feet Rating Exclusion
> 150 feet Decline Decline
Sky diving/Parachuting
Subject to frequency per year and type:
Club affiliated Exclusion
Standard to Rating
Other > 200 jumps per year: Decline Exclusion
Wrestling
Amateur – no combat Standard Exclusion
Amateur with combat Standard Decline
Professional Decline Decline
Extreme Decline Decline

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