Get a FREE Scuba Divers Life Insurance Quote Today! 

Get a FREE Life Insurance Quote Today!

If you are a scuba diver, we have a number of term life insurance companies available to you.

The life insurance rates available to you will depend on a number of scuba diving factors such as scuba diving experience, type of scuba diving you do, your scuba diving certifications from nationally recognized diving organizations such as NASDS, NAUI, PADI, SSI, and the YMCA.

Regardless of the type of scuba diving you participate in, let us help you get the term insurance, universal life insurance or whole life insurance you need.

If you have any health issues such as asthma, coronary artery disease, diabetes, or other health issue, life insurance prices will depend on the type of health impairment as well as your diving information.

Scub Diving Overview:

The majority of our scuba diving information applies to recreational scuba divers..divers who reach maximum depths of 130'

We have included some scuba diving information for technical divers and commercial scuba divers as well, although it is usually best to speak with us first if you dive to depths greater than 130'.

Please call us at Toll Free (800) 909-2040

Recreational Scuba Diving Life Insurance Underwriting:

Life insurance underwriters want to know about your scuba diving history before they will consider you for life insurance. 

The following are some general underwriting guidelines that apply to scuba divers who have their Open Water Diver Certification.

Assuming that you have no other health issues:

Diving Depth - Other than your Open Water Diver Certification, life inusrance underwriters look at the frequency of you scuba diving and the water depth of your scuba diving.

Less Than 75' Depth:

We have a number of life insurance companies that will offer you their most competitive term life insurance rates.

76' - 100' Depth:

We have a few life insurance companies available that will still offer you their most competitive term life insurance rates.  Some of the life insurance companies will only offer you their "standard" life insurance rates, while some other life insurance companies will add a Flat Extra to the price of your life insurance.  It is critical that you get to the right life insurance company when you are scuba diving in the 76'-100' range.

101' - 130' Depth:

When you start scuba diving to the 101' - 130' range, most life insurance companies will add a Flat Extra to the price of your life insurance.  A flat extra is an additional cost expressed in a price per thousand dollars of coverage. 

For example, a $2.50 flat extra, would add an additional $250 to your life insurance cost for every $100,000 of life insurance coverage you purchase. 

The flat extra cost varies by life insurance company.  Some underwriters will add a $2.50 flat extra while others will add a $7.50 flat extra.

We have 1 life insurance company that will offer their standard life insurance rates to divers who go no deeper than 125'.

131' - 150' Depth:

We have life insurance companies available that will consider you for life insurance but will add a flat extra of $2.50 - $7.50, on a case by case basis.

For this type of scuba diving, life insurance underwriters want to see an experienced diver and most want to see your dive log showing frequent scuba diving and experience

Greater than 150':

We have life insurance companies that will consider you on a case by case basis, you definitely need to be an experienced scuba diver, with frequent diving experience.

Most life insurance companies will consider you on a case by case basis, and you will usually see a flat extra in the $5.00 - $10.00 range, although on occasion we do see one of our life insurance companies offering a flat extra in the $2.50 range.

 Get a FREE Life Insurance Quote Today! 

Important Note About Scuba Diving:

If you are involved in ice diving, penetration diving of shipwrecks, cave diving, call us first as this type of diving is considered on a case by case basis.

Get a FREE Life Insurance Quote Today!

OR

Call us today at Toll Free (800) 909-2040

Thank you.

 

 

 

If You have health issues, it is important that we know about those health issues in order to provide you with the most accurate term life insurance quotes possible.  You will find more information here about health issues such as:

Alcohol Related, Angioplasty, Asthma, Bipolar, Blood Pressure, Build, Cancer, Crohn's, Depression, Diabetes, Family History, Heart Disease, Hepatitis, Liver Enzymes, Melanoma, Sleep Apnea, Tobacco Use, Ulcerative Colitis, and many more Impaired Risk Life Insurance topics.

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