<prompt> Human: My dad is about to do some crazy kayaking trip down the coast and hes like maybe I should look into a life insurance policy first... He wants to go in July. Are there any options? I told him it was probably too late to get anything legitimate.  <response>: It sounds like he just wants to go have fun and make it sound like hes really living on the edge. You know how guides will always give the health and safety lecture before an activity? Im all for it unless hes actually trying to defy death, of which Id expect him to choose something other than kayaking. 