For climbers, skiers and mountain athletes
Up to $2M of life insurance that covers the way you climb.
No climbing exclusion, no medical exam, and no premium surcharge for your sport. I'm a climber and a licensed advisor, and I built this plan for our community.
Or text me a quick questionRock and tradIce climbingAlpine and mountaineeringBackcountry skiingHeli and cat skiingParaglidingScrambling…and more
The problem
Tell a regular insurer you climb, and your price goes up or your coverage shrinks.
Fully underwritten policies usually handle climbers one of two ways. Either they exclude climbing deaths, which defeats the purpose, or they add a surcharge that's often around $4 per $1,000 of coverage. On $1M, that's roughly $4,000 more a year.
Other providers
Full underwriting
- ✕A climbing exclusion or a surcharge of about $4 per $1,000
- ✕A medical exam, bloodwork and weeks of back-and-forth
- ✕An activity questionnaire for every sport
- ✕Often declined for alpine climbing or paragliding
Affinity climber plan
A stack of 4 simplified-issue plans
- ✓No climbing exclusion and no sport surcharge
- ✓No medical exam. Short health questions answered online
- ✓Up to $2M total ($500k per insurer)
- ✓Your price is locked for the whole term
How the stack works
Four Canadian insurers, each up to $500k, in one simple application process.
Simplified-issue policies skip the medical exam and don't penalize mountain sports, but each insurer caps coverage at $500k. So I combine them. You get the coverage your family needs, usually for less than one rated or excluded policy.
$500k
UV Insurance
Usually the lowest price, so it goes first$500k
iA Access Life
Simplified issue$500k
CPP
Simplified issue$500k
Humania
Simplified issueCombined coverage, with no climbing exclusion and no examUp to $2,000,000
Watch
Philip explains climber coverage.
Why regular policies exclude or surcharge climbers, how the 4-insurer stack works, and what to disclose on your application.
Watch the video
60-second activity check
See what you qualify for.
Two quick questions, then build your own plan. No email needed.
What do you do in the mountains?
Pick all that apply.
Pick at least one activity to continue.
A little about you
Used to estimate your price. No email needed.
Enter your date of birth to see your price.
Stuck on a question, or want me to sanity-check your plan?Text me your sport, age and province and I'll tell you what I'd do. No call needed.
Text PhilipWhat climbers say
Covered by the people who get it.
★★★★★
Far better than the competitors. We spend over a month applying for different life insurance providers and getting a late answer showing exceptions for climbing and skiing. Philip was quickly able to help navigate the process and set us up with life insurance that actually covers our lifestyle. He made it easy, and was very open and friendly. We never felt pressured, and think we got exactly the coverage needed.
BVBryn VickersGoogle review · January 2024
★★★★★
I had life insurance previously both though my employer and though another provider. I'm an avid ice climber, backcountry skier and downhill mountain biker. I thought I was covered for these sports. With my existing insurance. Philip with Affinity Life advised me to contact my existing providers to find out if I was covered for AD&D and accident. Turns out I wasn't at all. I have a family and if something were to happen they would have received no benefit. Affinity has the most affordable extreme sports coverage I've come across. Philip is amazing. Super knowledge and their website is really slick. Very easy to understand the coverage and costs with no hassle and no pressure. Hands down I would and do recommend Affinity to all my peers. This is must have coverage for those of us engaged in these types of sports. Thank you Affinity!!
EAEddie AschenbrenerGoogle review · December 2022
★★★★★
If you live for the outdoors, Phil is the person to call. He truly understands the realities of climbing, and backcountry trips, and how that impacts coverage. The process was smooth, transparent, and zero pressure. I feel confident knowing I’m properly protected while doing what I love.
MBMatt BrunskoleGoogle review · March 2026
★★★★★
Philip at Affinity Life is the real deal. Getting life insurance for high-risk adventure sports can get complicated fast, but he handled everything with expertise and zero fuss — found me solid coverage, explained my options clearly, and made the whole experience genuinely easy. Highly recommend, especially if you lead an active or adventurous lifestyle.
EBEthan BermanGoogle review · April 2026
★★★★★
Affinity Life made it possible for me to qualify for affordable term life insurance when other insurance quotes excluded coverage for participation in backcountry skiing and other "extreme sports". Affinity Life's web platform is easy to use and Phillip is professional and knowledgeable. I highly recommend Affinity Life, especially if you're a regular participant in mountain sports.
JIJerry IsaakGoogle review · April 2023
★★★★★
Philip was a pleasure to work with. Had spent a long time going back and forth with multiple other providers. Always struggling to find appropriate coverage that would cover climbing, skiing and paragliding etc. Philip understood what I required and was able to get me appropriate insurance coverage in less than a week.
LNLuke NeufeldGoogle review · March 2025
★★★★★
So happy I found an insurance company that I can finally trust!! (Especially being a skier and climber, its awesome to know the founder is also a climber!) Was great how simple everything was online. Not having to go through the annoying sales calls to get the insurance I needed was a huge bonus!
RKRyan KeenGoogle review · December 2022
★★★★★
Philip was great, he helped me find a plan that would work for me though my corporation that would cover activities like mountain biking, climbing and backcountry skiing.
CMCollin MorrisonGoogle review · July 2026
★★★★★
Exceptionally easy to talk to, helpful, zero pressure and landed us with the right product that protects us for all the mountains sports we love at a phenomenal price. Highly recommend!
AMAndré MorsonGoogle review · June 2026
★★★★★
Philip provided great customer service, clarity and more important, as a climber himself, he knew exactly what product I was looking for to get the coverage I needed. Recommend it.
JIJavier Isaac Sanchez MorenoGoogle review · June 2026
★★★★★
Had a great experience getting life insurance coverage for my needs as a person who participates in mountain sports. All was done through email and the price was great!
RMRosalynn MGoogle review · February 2026
★★★★★
All communication was prompt and professional. Phillip went out of his way to make sure my family and I had the right coverage for our lifestyle and pursuits at a very competitive price point. Highly recommend
MKMatthew KrahnGoogle review · September 2025
★★★★★
Great service. It was quite smooth to get a quote and very fast response to my questions. The rate was much better too than regular insurance companies and including extreme sports. Overall it was a great experience, I highly recommend.
AAndreseh89Google review · June 2025
★★★★★
Super easy to fill out and apply online. Finally able to find a policy that insures “high risk” activities like rock climbing and backcountry skiing without being gauged. Came recommended from the Alpine Society of Canada.
RWRachelle WinsorGoogle review · December 2023
★★★★★
It was surprisingly simple to get setup for life insurance with Affinity. For anyone involved in adventure sports I wouldn’t hesitate to recommend their service. It brings a lot of peace of mind to know that if I make a mistake and things do go badly wrong, my family won’t also have costs to cover on top of that.
AFAmos FindlayGoogle review · February 2023
★★★★★
Phil was professional and efficient helping our family qualify for term life insurance. I never thought I would qualify for an affordable plan given my career. It’s awesome to have the product available to the mountain community.
HPHannah PrestonGoogle review · February 2023
★★★★★
As an avid climber, I wanted insurance in the event I suffered an injury that put me out of work. Setting up with affinity was easy, transparent and painless!
OMOwen McLeodGoogle review · February 2023
★★★★★
Phillip spent his time answering my many questions and helping me pick a policy that met my needs. As a multi-sport mountain athlete, coverage that did not have those exclusions was imperative. My coverage gives me extra peace of mind, allowing me to go into my sports knowing my family and I have coverage if something ever goes array.
SNSteven NoelGoogle review · January 2023
★★★★★
An incredible one of a kind platform that allowed me to find my insurance needs without having to talk to a "pushy" salesman. Affinity Life provided a pressure free environment to select my insurance policy on my own timeframe. Any questions were quickly answered by Philip and I now rest easy knowing that if anything were to happen while doing outdoor activities my family will be covered. If you are looking for insurance especially if you are into extreme outdoor sports I highly recommend using Affinity Life!
MPMatt PrystupaGoogle review · December 2022
★★★★★
As a climber, skier and hiker it is good piece of mind to know that should anything happen I have additional cover. The website was super easy to use as was the process. Would encourage anyone active in the outdoors to seriously consider getting covered through Affinity Life. 10/10 recommend!!
MFMichael FraserGoogle review · December 2022
★★★★★
The only insurance I have found that caters specifically to extreme sports enthusiasts. Great peace of mind. Well worth it.
N1Npc 123Google review · December 2022
★★★★★
There are numerous reasons why I chose Affinity Life Insurance, however I'm resuming to three of them: Awesome products which are tailored to address the needs of those of us who practice "extreme" sports such as skiing or climbing. Easy and straightforward application process. Phil's expertise and dedication that transpires in each step of the insurance process. I highly recommend Affinity Life!
FPFlorin PanaitescuGoogle review · December 2022
★★★★★
Loads of great info on the website to help guide you in the right direction. My wife feels much better about a policy that covers me while doing the activities we love! Easy to apply, and sign up. Probably took about 15 minutes from start to finish, and received the policy docs with in a week.
JJJustin JGoogle review · December 2022
★★★★★
It has been a struggle finding insurance that would cover me given my extra-curricular activities (Climbing, mountaineering, freediving, backcountry skiing). Phil was awesome to work with!
MHM HemphillGoogle review · December 2022
★★★★★
As opposed to many companies we attempted to get life insurance through, with affinity we filled out a health questionnaire online Instead of doing a long phone conversation, and were approved even though we participate in outdoor activities like climbing and skiing. The approval process was also very fast. Great experience, highly recommend
KBKirstin BartschGoogle review · February 2022
★★★★★
Great no nonsense platform. The entire application was online and only took a few minutes. Great option for anyone looking for life insurance that covers climbing, skiing, and other "extreme sports" often not covered by traditional life insurance options.
ABAlik BergGoogle review · February 2022
★★★★★
See that smile on my face, that's me feeling much better about the future. Less worries about my wife and two kids if something happens to me. Not just while to protect me whilst enjoying the mountains which is by far my favorite pastime but everything else which can happen in life. I'm glad I finally put some thought into the need for this, admittadly I had been putting this off with a strategy of "I don't need it'. I really appreciate Philip Setter and Affinity Life for walking me through the process, it really helped me understand the options for Life Insurance and make fair comparisons about all the other options 'out there'. I would have no qualms in recommending Affinily Life to anyone seaking out a life insurance policy!
PCPatrick CGoogle review · October 2024
★★★★★
Great to work with and the only insurance company I know that covers extreme sports
PAPeter AdamsonGoogle review · January 2023
By a climber, for climbers
"It will never bring back our loved ones, but it can let our families grieve with one less overwhelming stress."
In 2020 I lost a close friend and climbing partner in an accident, and I saw firsthand what his family went through. I'd spent years in insurance and knew most policies quietly exclude the things we love doing. So I built Affinity Life to get climbers properly covered, simply.
I read every contract I recommend. It's the same coverage that protects my own family.
Text me directlyPhilip SetterFounder · licensed advisor since 2014 · climber, ice climber and ski tourer
ACMG Proud PartnerSupports Mountain Search and RescueAlpine Club of Canada
Mountain sports guides
Know your options before you apply.
Mountain sportsDoes life insurance cover rock climbing in Canada?NEW
How insurers really treat climbers, and how to avoid an exclusion.
2 min read
Mountain sportsLife insurance for backcountry skiers and ski tourersNEW
What underwriters ask about avalanche terrain, and how to answer.
2 min read
Mountain sportsDisability and accident insurance for extreme sportsNEW
Coverage for injuries you survive, not just the ones you don't.
3 min readThe Climber's Guide to Life Insurance
Free PDF
The Climber's Guide to Life Insurance.
The guide Philip wishes every partner had read before their next trip.
- The exact questions insurers ask climbers, and how to answer
- Exclusion vs rating vs simplified issue, compared
- A checklist to get your affairs in order before a big objective
Proud to support
Climber FAQ
What people ask before they apply.
Will a climbing accident actually be paid out?
The plans we place for climbers don't exclude climbing. As with any policy, answer the application honestly: a claim can generally only be contested for misrepresentation in the first 2 years.
Why four policies instead of one?
Simplified-issue plans skip the medical exam and don't surcharge mountain sports, but each insurer caps coverage at about $500k. Combining them gets you to $2M, usually for less than one fully underwritten policy with a sport rating.
Is it more paperwork?
Not for you. You answer one set of questions, and we handle the applications with each insurer.
What if I do something more extreme?
Expeditions above 6,000 m, free soloing, BASE and similar activities need a personal review. Book a call and I'll tell you honestly what's possible.
Do I need less than $500k?
Then one plan does it, usually with UV, which tends to have the lowest price.
Get covered before your next trip.
Take the 60-second check, or book 15 minutes with Philip and he'll lay out your options.