At Diversified Insurance Brokers, we help people get approved on life insurance for scuba diving with affordable, high-quality coverage—even when traditional carriers may add extra costs or restrictions. With access to over 100 top-rated companies and decades of experience in high-risk underwriting, we know exactly which insurers are most favorable toward recreational, professional, and technical divers—and how to present your application for the best possible outcome.

How Scuba Diving Affects Life Insurance Underwriting

Life insurance companies evaluate several factors when reviewing scuba divers, including:

• Dive Depth: Shallow, recreational dives under 100 feet are viewed more favorably than deeper or technical dives.
• Dive Frequency: Occasional vacation divers often receive better rates than those diving weekly or professionally.
• Type of Diving: Reef and open-water dives are less risky than cave, wreck, night, or mixed-gas dives.
• Certification & Training: Advanced training (PADI, NAUI, SSI, etc.) signals safety awareness and reduces underwriting risk.
• Medical Fitness: A clean medical record, fitness-to-dive evaluations, and no history of decompression illness improve outcomes.

Who This Coverage Is Best For

• Recreational divers staying within safe recreational limits.
• Certified divers with strong safety records and logged dives.
• Instructors or professionals seeking fair underwriting.
• Technical divers looking for brokers who understand high-risk cases.

Typical Life Insurance Outcomes for Divers

• Recreational, shallow diving: Often qualify for Standard or Preferred rates with no extra costs.
• Moderate depths or frequent diving: May see small table ratings or flat extras.
• Technical, deep, or cave diving: Coverage still possible, but usually at higher premiums or with restrictions.

Every diving profile is different. We shop your application to insurers that have the most favorable guidelines for your exact dive history.

Why Work With Diversified Insurance Brokers

• Access to 100+ A-rated carriers: We compare dozens of companies to find the most competitive offer.
• High-risk underwriting expertise: We know which carriers are diver-friendly and which to avoid.
• Personalized guidance: We package your dive history to highlight safety and experience.
• Flexible policy options: Term, whole life, or universal coverage designed around your needs and budget.

Example Case

A 42-year-old diver averaging 10–12 dives per year to a maximum of 80 feet was initially quoted at a 50% rate increase by a direct carrier. Our team positioned his certification level, safe dive practices, and medical records with the right insurer. The result: a $500,000 20-year term policy at Standard Plus rates, saving him over $600 annually compared to his first offer.

Take the next step: Complete our secure scuba diving life insurance request form and let us shop the market for your best options.  We also specialize in other high risk avocations such as race car driving and sky diving.