Scuba Diving Life Insurance
Many life insurance companies will charge higher premiums for scuba diving. Some will not, but are more limited to recreational divers up to 50-75 feet depending on the life insurance companies. These life insurance companies will offer their best rate class if you medically qualify. Some will offer their second best rate class and as stated, others will charge a much higher premium for the risk. It is important to work with a life insurance agent that understands all the markets to help best position you with the best life insurance company.
The life insurance industry reviews a wide range of risk factors when underwriting a scuba diver. These classifications include, but are not limited to:
Recreational diving
Public safety diving
Technical diving (also called Tech Divers)
Cave diving
Deep diving
Ice diving
Wreck diving
Commercial diving
Scientific diving
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Scuba Diving is using a self-contained breathing set to stay underwater for periods of time greater than human breath-holding ability allows. The diver carries all equipment necessary for diving and is not reliant upon equipment elsewhere (e.g. on the surface) to supply breathing gas or other support during the dive. The diver swims underwater using fins attached to the feet. Some divers also move around with the assistance of a DPV (Diver Propulsion Vehicle), commonly referred to as a "scooter", or by using surface-tethered devices called sleds, which are pulled by a boat. The word 'SCUBA' is an acronym for "Self Contained Underwater Breathing Apparatus".
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