Admittedly this company caters to the military, and they wouldn't sell many
policies if war were excluded from coverage, but their perception of the
relative risks of soaring versus war surprised me.


Just a guess but maybe it was not the "perception of the relative
risks", but rather the unknown risk of soaring. I suspect that their
actuaries can tell you to the nth decimal place their risk of a claim
due to war. Probably not so when it comes to soaring.

Tony V.