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Compare life insurance for scuba divers

Getting life insurance as a scuba diver won't give you the bends if you get certified.

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Millions of US scuba divers enjoy underwater delights each year. Considering fatalities barely breach a hundred, it’s actually less risky to insure a healthy scuba diver than a person with heart disease – though this underwater habit may still cause you to see higher life insurance rates.

Can I get life insurance if I scuba?

Yes, it’s possible to get life insurance if you scuba dive. In fact, you might even qualify for standard rates if you aren’t diving deeper than 130 feet. Even if you’re a deep diver, rates shouldn’t be exorbitant as long as you’re certified. However, exact rates will vary depending on the provider and details of your scuba habit.

How will scuba diving affect my rates?

Insurers don’t view all scuba dives as equal, and only certified divers are likely eligible for coverage.

But keep in mind that scuba diving is only one small factor affecting your insurance costs. Your age, health, driving record, and more all come into play throughout the underwriting process.

Some details about your scuba habit affect your premium costs include:

  • How often you go diving. The more you dive, the higher risk you pose to insurers.
  • Who you dive with. Accompanied divers tend to get more favorable rates.
  • How deep you dive. If you regularly dive deeper than 100 meters, that’s seen as higher risk. Risky divers are mostly likely to experience a hike in rates.
  • Where you scuba. Dives in overhead environments, such as in underground caves or beneath ice, tend to be more dangerous, while open water recreational dives have safer precedents.
  • Your experience level. Getting extra licenses – like an endorsement from Scuba Schools International or the Professional Scuba Association – could signify that you’re safer to insure, or it might be required to get life insurance at all.
  • Business or pleasure. Diving as a day job or part time gig will likely trigger a longer list of questions, though won’t automatically result in higher premiums.

Does the depth of the dive matter?

Yes. Deeper dives are viewed as riskier to insurance companies because there’s a higher chance an accident might occur. A life insurance company might categorize you as one of three types of divers, based on how deep you dive:

  • Vacation diver. Dives of less than 75 meters.
  • Recreational diver. Dives of less than 100 meters.
  • Risky diver. Dives of more than 100 meters.

How insurers treat different types of divers

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Should I get life insurance before I go scuba diving?

It depends on your intent. If you’re planning a trip and might only be diving once or twice, one-time travel insurance may be a better option to cover any injuries or problems you might face.

But if scuba diving is becoming a more regular pastime or you pair it with other high-risk activities during your trips, life insurance might be beneficial as a financial safety net for loved ones in case an accident occurs.

If you already have a life insurance policy, telling your provider about your new hobby will help ensure your benefit won’t be withheld if you die while diving.

Do I have to tell my insurer that I’m a scuba diver?

Yes. While it may be tempting to hide the habit in order to save some cash, the insurance company could deny your family’s claim and refuse to pay a death benefit if it finds out about the habit after you die.

Do I need to be a certified diver to apply for life insurance?

Yes, typically. To be eligible for life insurance as a scuba diver you’ll need to be certified. Life insurers want to make sure you’re an expert beneath the waves and that you’re taking the necessary precautions to stay safe.

Compare life insurance companies who cover scuba divers

Name Product Issue age Minimum Coverage Maximum Coverage Medical Exam Required
Sproutt
18 - 60 years old
$50,000
$5,000,000
No
This life insurance broker combines technology and the human touch to match you with a policy tailored to your needs.
Policygenius
18 - 85 years old
$10,000
$10,000,000+
Depends on provider and policy
Compare affordable quotes from 12+ A-rated life insurance companies side-by-side.
Bestow
21 - 54 years old
$50,000
$1,000,000
No
Affordable 10- and 20-year term life insurance policies with instant quotes and no medical exams.
Fabric
25 - 60 years old
$100,000
$5,000,000
Depends on policy
Get affordable term life insurance with accelerated underwriting or no-exam coverage up to $1,000,000. Available in all states except CA, NY and MT.
LadderLife™ Life Insurance
20 - 60 years old
$100,000
$8,000,000
No
Term life insurance with no policy fees and the freedom to cancel anytime. Simple application process that can get you approved for coverage instantly.
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Compare up to 4 providers

Is specialized insurance a better deal than a regular policy?

Depending on your financial situation, specialized scuba diver insurance policies can be excellent supplemental coverage that works in tandem with a more comprehensive plan.

You might consider purchasing regular life insurance without diving coverage, to keep the policy more affordable. Then, purchase scuba-specific coverage for backup protection.

You may also consider group term life insurance from the Divers Alert Network, which offers coverage amounts of $30,000, $50,000, $100,000 or $200,000 for divers and their spouses. This plan offers an additional benefit of $25,000 if you die while making a recreational dive.

Bottom line

Life insurance for scuba diving is fairly reasonable for people who dive recreationally, while riskier divers can expect more extreme rates. The best way to find a policy that meets your needs is by shopping the market to find scuba-friendly life insurance providers.

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