Rates Scuba Divers Pay for Life Insurance

There are four different considerations life insurance underwriters use when evaluating scuba diving applicants. Healthy scuba divers can benefit from knowing how insurance companies classify divers by:

1. Certification type and rate class – Every organization offers different levels of certification, from advanced to master diver. You must be certified diver from an organization such a PADI.
2. Dive depth and rate class – Most insurance underwriters generally want to know if you go down to depth of more then 75 feet.
3. Type of diving and rate class – Life insurance underwriters also classify various types of diving as more dangerous. There are a few types of riskier diving which include; wreck diving, cave diving, rescue diving, commercial diving, and ice diving.
4. Diving experience – More knowledgeable and experienced divers can also obtain better rates when applying for life insurance.

Most divers fall into the recreational category with excellent rates widely available. Naturally, your premiums for life insurance get higher as you take more chances, go deeper, and engage in riskier types of
diving.

These are factors life insurance underwriters must consider when qualifying you for life insurance as a scuba diver. These are general guidelines and many insurance companies have different rules to qualify for each rate class.

When applying for affordable life life insurance as a scuba diver, be sure to fully disclose your overall health and hobby to your life insurance agent.

Our goal is to help you find either the best priced term or permanent policy for your overall planning needs.

Not to mention, identify which life insurance company will offer the lowest premiums if you engage in
riskier types of scuba diving.

Affordable Life USA often expedites the underwriting process for scuba divers by shopping your policy with multiple insurance companies.

If you would like to compare life insurance rates for scuba divers feel free to call us at 1-877-249-1358