Am I covered?

If you have seen one of those lists of 'things to do before you're thirty' or 'things to do before you die...' then you will no doubt have considered some of the more risky ventures proposed in those lists. Maybe you are hankering for a bungee jump or want to have a go at sky-diving?
If you've discussed it with colleagues or friends I bet somebody has piped up 'your insurance won't cover you for that!'.
On a more serious note, some medical conditions can make it very difficult to get insurance cover, and in these circumstances you may have to consider the benefits of high risk life insurance. after all, you can get insurance for more or less any circumstances, it's just that it may be more costly and you may have to shop around a bit to get the best deal...