There are activities that are flat out not covered by life insurance, like sky diving. I doubt they would pay out if he was doing this.

My dad has insurance through his work that I could buy the house I grew up in as the money would buy left to my brother and I. It still wouldn't make up for losing the only parent I still have alive and with his health problems I dread that day. I'm also only 27 and lost my mother about three years ago and my parents aren't old my mum was only 54. My dad's 56, 57 later this year.

Well I have no idea about that, Im not from the US but assuming his family loves him I guess no money can make up for the loss of a loved one.

If they in any case Shouldnt love him for whatever reason and want his money he should be very careful about spoiling the routes he wants to climb lol. I watched medical detectives late night as a 10 year old I know what people especially family is capable of lol.

I wouldn't be surprised if he was completely unable to get insurance due to his leisure-time activities.