Life Insurance for Scuba Divers

Life insurance for scuba divers is typically more expensive than average and in some cases you may be denied coverage altogether. Your divers insurance rate depends on how often and how deep you dive. Agreeing to a diving exclusion on your policy can also dramatically lower your rate. As always, comparing quotes from multiple companies is the best way to save on life insurance.

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Natasha McLachlan is a writer who currently lives in Southern California. She is an alumna of California College of the Arts, where she obtained her B.A. in Writing and Literature. Her current work revolves around insurance guides and informational articles. She truly enjoys helping others learn more about everyday, practical matters through her work.

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: May 2, 2021

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The Rundown

  • Life insurance for scuba divers is typically more expensive than average
  • The rate you receive depends on how frequently and how deep you dive
  • Agreeing to an exclusion on your policy can help you save on dive insurance

Scuba diving is a popular summer activity that can take you to exotic places such as the Caribbean or the Mediterranean. But did you know that life insurance for scuba divers is typically more expensive than the average policy?

Life insurance companies take many different factors into consideration when processing your application, and even activities such as scuba diving can raise your rates or even prevent you from receiving coverage altogether.

It’s important to find out whether you qualify for coverage before you compare life insurance quotes so you can save yourself some time and find the policy that’s right for you.

Keep reading to find out if you qualify for life insurance as a scuba diver and how you can save on your premiums. First, enter your ZIP code into our free comparison tool above to find affordable life insurance for scuba divers today.

Can I qualify for life insurance as a scuba diver?

If you’re worried about qualifying for life insurance as a scuba diver, worry no more. Yes, you can qualify for life insurance as a scuba diver. However, there are some caveats.

Even though scuba diving is a relatively safe activity (Diver Magazine reports about one fatality for every 200,000 dives), your insurance company sees this as a potential risk.

And since life insurance rates are all determined by risk, scuba diver life insurance is typically more expensive than average, and in some cases you may be denied coverage altogether.

Keep reading below to find out how you can save on your scuba diver life insurance rates if your provider does agree to cover you.

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How do I save on scuba divers insurance?

As mentioned earlier, some companies may charge you hefty premiums or deny you coverage altogether if they find out you scuba dive. However, the rates you receive depend on how deep and how frequently you dive.

If you are a recreational diver who dives less than 10 times a year at depths less than 100 feet, your rates may not increase by much since you pose less of a risk.

But if you’re a professional diver who scuba dives on a regular basis for work, you will likely see higher premiums, as you pose a much greater risk to the insurance company.

Some companies may only cover you if you agree to an exclusion on your policy that stipulates the company will not pay out on your policy if you die as a result of a diving accident.

While this may sound like a bad deal, agreeing to such an exclusion will dramatically lower your life insurance rates.

Of course, the best way to save on life insurance for scuba divers is to compare free insurance quotes online. This way you can make an informed decision on which dive insurance policy is right for you.

Ready to buy life insurance for scuba divers? Enter your ZIP code below to find life insurance quotes for scuba divers from providers in your area.

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