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Re: [TowerTalk] Fall Harness-My Choice

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Subject: Re: [TowerTalk] Fall Harness-My Choice
From: "Ronnie Carter" <>
Date: Sat, 14 Aug 2010 23:27:53 -0500
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Jim wrote:
> What about a climber who's being paid to climb another's tower and falls?

Same answer applies!  Today's life policies generally have only one 
exception to coverage; i.e., suicide in the first two years.  (I believe one 
state may specify one year instead of two.)  Most do not even exclude acts 
of war any more.  Unless there has been what is legally known as a "material 
misrepresentation" at the time of application, the company is stuck paying 
the claim.  And after that two-year contestability period elapses, they have 
to pay even if there IS a material misrepresentation, unless the company can 
prove, in court if necessary, outright deliberate fraud -- a much higher 
legal hurdle to jump over.

There are some accident-only or AD&D (accidental death and dismemberment) 
policies with additional exclusions.  For example, many won't pay in cases 
of DWI or dying while committing a felony, deliberate self harm, flying 
airplanes, bungie jumping, etc.  But your regular full-coverage life policy 
is as described in the previous paragraph.  And you will not find an 
exclusion in there about any of our tower issues at hand.

So bottom line is, if you have a normal, not "accident only" life policy, 
none of these "for hire," "not for hire," "restrained," "unrestrained," etc. 
issues come into play.  If you die they have to pay.  In all likelihood, the 
same applies for 99% of the accidental policies as well.  Maybe 100%.

Good night & 73,



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