Tramping and Life Insurance

Has anyone had any recent (or otherwise) experience with life insurance policies and outdoor activities? We've been looking around, and at least one of the policies (underwritten by Sovereign although it was ASB selling it to us) had specific exclusions adound adventure sport activities, but explicitly included mountaineering. Basically if you died doing something like that, they wouldn't pay out. I asked the salesperson, who really wasn't sure. He was just reading the policy as written over the phone, and I'd suspect the distinction isn't specifically written down anyway. In my own mind, tramping and mountaineering are normally different things, with mountaineering being significantly higher risk, but there's sometimes an implicit overlap given where tramping sometimes goes. Also, occasionally I do strap on crampons and do things slightly more alpiney, even if not technical. Without wanting to evoke memories of any bad experiences, but I'm curious if anyone's been through this, and see how any life insurance companies interpret tramping deaths compared with mountaineering deaths. Are there specific policies out there which take mountains clearly into account?