Jeffrey Manola is an experienced life insurance agent and the founder of Top Quote Life Insurance. His mission when he created Top Quote Life Insurance was to provide online consumers searching for life insurance with the absolute best quotes for term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance. Not only does he strive to provide you with the ...

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Written by Jeffrey Manola
Founder & Licensed Agent Jeffrey Manola

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insur...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Jun 30, 2022

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Facts You Should Know

  • Life insurance rates aren’t always higher for scuba divers
  • You can lower your rates by practicing safe diving and having the proper certifications
  • You can still purchase term and universal life insurance policies if you scuba dive

While scuba diving is generally safe, life insurance for scuba divers can be more expensive to buy if your insurance company deems your hobby as high-risk.

Although some scuba divers may face higher rates, you can still buy term life insurance and universal life insurance policies, and you may not need to take a medical exam.

Keep reading to learn more about how scuba diving can affect your rates and what you can do to get affordable scuba divers life insurance.

Looking for life insurance for scuba diving? Enter your ZIP code above to get free scuba divers life insurance quotes.

Will scuba diving make my life insurance rates higher?

Scuba diving won’t always affect your rates, but there are certain aspects of your hobby that may cause your insurance rates to be higher. The main factors that insurance companies look for with scuba divers include:

Your Experience

Being an experienced diver may help to lower your rates. If you have years of experience and are knowledgeable about taking the proper safety precautions while diving, your insurance company may not classify you as high-risk.

Your Certifications

Having the proper certifications can help you get better rates on life insurance, especially if you have higher certifications.

Type of Scuba Diving

There are many types of dives, and some are safer than others. If you dive in open waters and avoid deep dives, your insurance rates usually won’t be affected.

However, deep diving, wreck diving, and cave diving can all put you in the high-risk category and can make it more expensive to buy scuba divers life insurance.

Diving Depth

Your diving depth can have a huge impact on your insurance rates. Although deep diving isn’t always dangerous, it can cause health problems like decompression sickness and can increase your risk of drowning.

Because of the potential health risks, your life insurance rates may be higher if you frequently deep dive.

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How much does dive insurance cost?

Depending on the type of diving you practice, scuba divers life insurance rates may be higher than average.

The average life insurance rates for a 35-year-old man buying a 20-year $1,000,000 term life policy are around $53 a month. However, the cost for the same policy covering an extreme scuba diver can be as high as $378 per month.

Buying affordable term, whole life, or universal life insurance policies as a scuba diver can be tricky, but there are some ways you can get cheaper rates.

Because scuba diving is usually considered a high-risk activity, most insurance companies will ask you questions about your scuba diving practices to determine your rates.

If you are an inexperienced diver or you engage in riskier dives, your insurance rates will most likely be higher than average.

By diving safely and obtaining the proper certifications, you may be able to lower your rates significantly.

Searching for scuba divers life insurance? Enter your ZIP code below to get free quotes for scuba divers life insurance.