Sky Diving here I come!! Despite that 49th parallell, our countries operate similarly with respect to things like insurance. Yes, the policy is owned by my employer and no, I am not specifically listed as "the insured". I agree, the onus is on my employer to provide the information. They keep referring me back to the benefits website, and I have decided that seeing as they list exclusions, but list the exclusions as being applicable only to accident and business travel insurance, that by extrapolation, there are no exclusions for the life insurance policy.
Having documented this, I am going to make my sky diving arrangements. Tandem of course

but I can hardly wait to do it.
Donna