I was told flat out my life INS would not pay if I participated in any proffessional events. At that time being a pro card holder I was only able to race in money paying events. I also had a similar rider on my long term disability. Those two factors ended my racing. I have since had the clauses removed just to protect my family in the event I do get injured ridding. I wanted to eliminate any misinterpritation of that clause. My vehicle insurance did ask if I wore a helmet and the agent made the incinuation that corerage could be declined if I chose not to.
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