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Life Insurance for Scuba DiversThis article is the most comprehensive and informative article you'll find on the net for Scuba Divers looking for life insurance. 

Take 4 minutes to read this summary and you'll know everything you need to know about obtaining life insurance for scuba divers.

The critical thing to remember here is that each life insurance company is going to look at your scuba diving risk differently. The key in finding the best rate is finding the company that will look most favorably at your specific risk.

We've been helping scuba divers find affordable coverage for years and have simplified finding the best rate into 3 steps:

  1. We obtain detailed information about your scuba diving history through a quick phone interview.
  2. We fit your unique scuba diving details into all the top rated life insurance companies underwriting guidelines and determine your quotes with that company.
  3. We present the best quote based on YOUR unique scuba diving risk.

We start the process off by completing a quick phone interview to obtain the following information:

  • Average number of dives/year.
  • Average depth of dives and your deepest dive.
  • Are you diving in overhead environments? (Caves, shipwrecks, ice, salvage)
  • Any rescue diving or diving for pay?
  • Certifications?

After the phone interview, we reference your answers across all the top rated life insurance companies.  This information will tell us which carrier will look most favorably at your scuba diving. 

Our team at RootFin.com has done all the leg work and surveyed all the top rated life insurers already.  Below are just 15 of the top rated life insurance company's scuba diving underwriting summaries. (click the arrow below the table to see more companies)

CarrierBest Class AvailableMax # dives/yearMax depth allowedNotes
American GeneralPreferred Plus10100'Open water, no penetration diving; PADI certified or all dives with instructor
AXAPreferred EliteNo Max Listed100'76-100' can get Preferred Elite, but w/ $2.50 flat extra. Penetration diving at $7.50 flat extra
Banner LifePreferred PlusNot strictly defined - app75'Certification and frequency are difference between Standard and Preferred Plus. $2.50 flat extra for dives below 75'
FidelityStandardVacation Only100'No Medical Exam required. Approval within 48 hours.
GenworthPreferred BestNo Stated Max100'If no participation in a year or more, no flat extra will apply; >125' is $2.50 flat extra; penetration diving is $2.50 flat extra
INGSuper PreferredNo Limit100'Must be fomally trained w/basic or better cert; 100'-130' requires flat extra; no exclusion available
Lincoln FinancialSuper PreferredNo Max Stated100'Must be certified
MetLifeStandard PlusNo Max100'Formally trained and always accompanied; dives over 100' add a $2.50-$3.50 flat extra
Minnesota LifePreferred SelectNo Limit100'Limited to lakes, rivers, pits/quarries and coastal waters.
Mutual of OmahaPreferred Plus19100'Must be certified; 100'-130' is $3.50 flat extra and if less than 10 dives per year $5 flat extra. Cave diving $2.50-$5 flat extra.
ProtectiveSelect PreferredIndividual Consideration75'Lakes, rivers, pits and coastal waters. Must be certified & always accompanied. 100'+ diving is $2.50+ flat extra
PrudentialPreferredNo Limit100'101'-130' ok at Preferred w/advanced certificate and more than 10 dives/year
SBLIPreferred Plus1075'Penetration diving and diving over 100' is $2.50+ flat extra
TransamericaPreferred PlusNo Max75'Preferred up to 100'; 101'-250' $2.50-$5 flat extra; 250'+ $7.50-$10 flat extra


As you can see, each life insurance company looks at your scuba diving differently (and that's ONLY 15 carriers and their basic guidelines).  We've surveyed over 30 life insurance carriers and know exactly how each one underwrites scuba divers.  Having access to this information is the key to finding the cheapest life insurance rates.

If you're a little confused about what a "flat extra" is (as seen on the chart) or how you fit into that chart, don't worry.  That's what we're here for.

It truly takes an agency experienced in underwriting scuba divers to find you the most affordable rates.  Sure, you can call any agent and they can secure a policy for you, but more than likely you'll paying more than you have to.

Whether you're a recreational scuba diver, a scuba diving enthusiast or a professional diver, we can help you find the lowest life insurance rates based on your scuba diving risk.  We would appreciate the opportunity to earn your business.  Either fill out our quote request form or call us at 888-430-7668.

About Jeff Root

is the owner of rootfin.com. He's an independent life insurance agent who has helped 1,000's of consumers purchase life insurance online and over the phone.

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