Life Insurance for Scuba Divers [Here’s What to Expect]

If you are a scuba diver looking for life insurance, you have come to the right place. Scuba divers can have difficulty finding coverage, and some may even have been declined before.

If that is you, that’s OK. Our agency has worked with many people in your exact position to find affordable life insurance coverage to protect their family.

life insurance for Scuba Divers

You see, the dirty little secret of the life insurance industry is that insurance companies evaluate risk differently. You can be declined by one company and approved by another.

However, we always recommend that if you are trying to save time that you should stick to comparing rates and quotes with all life insurance companies.

You can do this easily below using our instant life insurance quotes rate engine to compare rates with 50 of the top rated life insurance companies.

You can do this easily by using our rate engine directly below.


The trick is working with a veteran agent who knows how life insurance companies will look at your scuba diving hobby and recommend you with the best one.

Does scuba diving affect life insurance?

Yes, scuba diving does affect life insurance rates. Most life insurance companies will offer discounted rates for people that dive in open waters up to $100 ft. Scuba dives over 100 ft deep will have a great effect on your life insurance and could result in higher rates.

What life insurance rates can I expect if I scuba?

If you occasionally dive in the open waters and don’t go below 100 ft deep, you can qualify for preferred or preferred best rates if you otherwise are eligible as long as you are certified.

If you are not a certified diver, the life insurance company will likely decline you. The life insurance companies need to confident that you know what to do when you scuba.

Getting your scuba diving certification from a nationally recognized scuba diving organization will open up options along with your experience. Life insurance companies love consistency.

Pro Tip – Certified divers that dive in open waters and don’t go below 100 ft can qualify for top preferred rates with certain life insurance companies easily.

If you consistently do a simliar amount fo dives that can make an underwriter more comfortable giving you a top tier rate, but be careful.

Many life insurance companies will limit the number of scuba dives that you can do and still qualify for their preferred rates. Less is more when it comes to risky behavior.

Now if you scuba dive below 100ft to 130ft and beyond, you start to look riskier in the eyes of the life insurance company, especially if you dive in caves or wrecks.

If you are deemed a risky scuba diver, you can expect to pay something called a flat extra charge.

Does life insurance cover scuba diving deaths?

Yes, life insurance does cover scuba diving if you die if you purchase to the right policy.  Certain life insurance companies are just better at underwriting scuba divers.

Now, I know you may be thinking do I need to tell my life insurance company if I scuba dive? If they ask you if you scuba dive you cannot lie or misrepresent yourself on the application.

If you do and the life insurance companies find out, they can either take their uncollected premium payments off of the death benefits or even worse deny your claim!

The last thing you want is for your family to not get the money they were counting on to be there because you omitted that you scuba dive.

Besides, scuba diving rates are so affordable these days with select life insurance companies that there is zero benefit to not disclose that you scuba dive.

Scuba diving life insurance questions you should expect:

  • Do you have any scuba certifications?
  • How deep do you scuba dive?
  • How often do you scuba dive?
  • How much scuba experience do you have?
  • Do you scuba dive in the open waters only?
  • Are you a paid scuba diver?

What are the best life insurance companies for scuba divers?

Our life insurance agency has had success with some companies over others when it comes to underwriting scuba diving as a recreational habit.

Life insurance companies like Protective Life, Mutual of Omaha, and Lincoln Financial are great picks that reward their policyholders with preferred rates even if they scuba dive recreationally.

Companies like Protective Life and Lincoln Financial made our best life insurance companies list and are great all-around companies outside of scuba diving.

You can try for a no-exam life insurance policy as well with life insurance companies like Phoenix Life if that is easier.

Phoenix Life, now called Nassau Re Life, is a great company that made our best no-exam life insurance company list due to their affordable rates and critical and chronic illness benefits.

How do I apply for life insurance if I scuba dive?

If you scuba dive then you need to work with an independent agent who is a veteran field underwriter.  Independent agents work with multiple companies to find you the best rates.

Scuba diving is just one part of underwriting your life insurance policy. A good independent agent will look at your overall risk to the life insurance company and advise the best company.

From there, you would need to fill out an application and schedule your exam if needed. If you select to be underwritten with an exam, the entire process can take 4-6 weeks.

No-exam underwriting is much quicker and less invasive. You can get a no-exam life insurance policy within a few days on average.

Request a quote from our website, and our agents can evaluate your options with the best life insurance companies for scuba divers with no obligation or cost to you.

Final Thoughts: Life insurance for scuba divers is affordable!

Life insurance for scuba divers does not need to be expensive. Although, many scuba divers are overpaying for their life insurance coverage sadly.

If you are a scuba diver and own a life insurance policy, give us a call. We’ll give you our honest opinion on if you can do better. In some instances, our clients save big by making a switch.

If switching life insurance companies doesn’t make sense, we’ll tell you to stay put. It is as simple as that.

If you are a scuba diver and new to life insurance, then your starting off at an advantage. Request a quote from our site today, and our team can go over your options.

FILED UNDER – LIFE INSURANCE BY LIFESTYLE

RESOURCES – scubadiving.com