There are quite a few threads on the issue.  About 6 years ago I had a State Farm insurance agent suggest I stop climbing for 3 years and then I could get a policy without lying.  Once you have your policy you can resume climbing and as long as you are current on the premiums they cannot do anything and must payout even if you die climbing. 
  
I'm not sure that I would stop climbing just to get insurance, but I've not really climbed in about 20 months due to shoulder problems, so maybe I'll qualify via that route...  Although I do have really good coverage through work now so I probably won't.