Life Insurance for Scuba Divers (Discounts & Rates)

Buying life insurance for scuba divers can be difficult depending on the types of diving you do. Dangerous diving activities like wreck diving, diving without proper training, and not being part of a diving organization can increase your rates. For divers considered high-risk, term life insurance is the most affordable policy option.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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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 insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Jun 3, 2021

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The Highlights

  • Scuba diving can be classified as a high-risk activity, depending on several factors
  • Dangerous activities like wreck diving and diving without proper certification can raise your rates
  • For scuba divers who are classified as high-risk, term life insurance is the most affordable option

Whether a hobbyist or a professional scuba diver, you need to know about life insurance for scuba divers. You may wonder if life insurance quotes for scuba divers are higher because they are higher risk, and you may be right.

Keep reading to find out how you can get the most affordable life insurance coverage while still enjoying your favorite activity and enjoying that diving life.

Are you ready to find your life insurance company for scuba divers? Enter your ZIP code above, and we will pull up rates from multiple companies ready for you to start comparison shopping.

Can I get life insurance if I am a scuba diver?

For many enjoying the scuba diver life, getting life insurance is not difficult. The vast majority of scuba divers who only dive occasionally and locally will find diver’s insurance is affordable and available from most providers.

Life insurance companies use underwriting to gauge each person’s habits and hobbies individually. This means they will ask you numerous questions to decide if your scuba diving will make you a high-risk person to insure.

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What types of diving will raise my rates?

Life insurance rates for scuba divers are prone to go up if you frequently participate in dangerous dives. These are dives with a higher chance of serious injury or death. Some of these activities include:

  • Deepwater dives
  • Nitrous dives
  • Night diving
  • Wreck diving

Another factor that can affect your rates is your experience level.

The most experienced you are, the better and the lower your insurance rates will be. In addition, professional divers will get better insurance rates than hobbyist divers.

The final thing that can help lower your rates is affiliation and certifications from a recognized diving associate, such as the Professional Association of Diving Instructors or PADI.

These certifications help prove to life insurance companies that you have all the safety training you need to dive. This, in turn, can help to lower rates.

How much does dive insurance cost?

If you are classified as high-risk due to some activity, your best bet for affordable life insurance for scuba divers will be term life insurance.

If you are not labeled as high-risk, you still may get whole life insurance; however, the rates will be considerably higher.

Here’s a look at term life insurance rates for a regular individual who is not high-risk to give you an idea of where rates start.

Average Monthly Term Life Insurance Rates by Company
CompanyAverage Monthly Rates
Protective$7.56
Mutual of Omaha$9.59
Haven Life$10.13
State Farm$15.49
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As you can see, traditional term life insurance rates start at fairly affordable rates, with high-risk insurance policies usually beginning at several times this amount.

However, not every company uses the same methods for determining that someone is high-risk.

Because of this, it’s important to comparison-shop and look at coverage from multiple companies before making your final decision.

Are you ready to buy life insurance for scuba divers? Enter your ZIP code below, and we will help you find a policy that fits your needs.

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

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