Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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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 insur...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Apr 26, 2021

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The Brief

  • Specific scuba activities can be designated as high-risk
  • Earning more certifications and taking training classes can help to keep life insurance rates low
  • If you participate in dangerous dives, the best thing to do is to shop around to find affordable insurance options

Did you know that certain hobbies, like scuba diving, can affect your life insurance rates?

Affordable life insurance for scuba divers can be hard to find depending on what type of diving you do and how experienced you are.

Scuba divers sometimes see increased term and whole life insurance rates based on how dangerous their diving is.

Keep reading to learn more about how insurance companies decide which types of diving are dangerous and what you can do to get more affordable life insurance when scuba diving.

Want to start comparing rates right away? Enter your ZIP code above, and we will help you find life insurance quotes for scuba divers near you.

Does scuba diving make me high-risk for life insurance?

Not automatically, no. While scuba diving can be dangerous, there are degrees to which that danger can be mitigated.

For that reason, life insurance companies look at several aspects of diving and use that to measure the inherent risk of scuba diving on an individual basis.

This information plus all your other health information is then used with their risk classification system to determine if you are a high-risk individual.

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How do life insurance companies calculate dive insurance rates?

When looking at dive insurance, if you tell your life insurance agent that you are a scuba diver, they are likely to ask you about four particular things:

  • Your certifications
  • How deep you dive
  • What types of dives you do
  • How experienced you are

All of these things play an important part in determining how dangerous your diving hobby or job may be, and therefore how much you’re paying for divers’ insurance.


Being certified can help an insurance company provide you a better rate in some cases, as it shows that you have been rigorously trained in the safety procedures of diving.

However, more is not always better. If you participate in dangerous dives and receive a certification for them, the dive type itself may still raise your rates, regardless of certification.

Types of Dives

Different dives carry different risks. Night diving, deep water dives, Nitrous dives, and wreck diving are some of the more dangerous examples of diving that could raise your rates.

While earning certifications in each of these dive types can help mitigate some of that risk, these dives are inherently dangerous and will likely come with higher rates if they are something you do regularly.

Diving Depth

As mentioned above, when discussing types of dives, the depth at which you dive comes with inherent risks, such as decompression sickness. As such, frequent deep dives may raise your rates.


The more experience you have, the better a rate that your insurance company can give you, to some degree.

Just like with certifications, if you are experienced in all the most dangerous types of scuba diving, you may still see increased rates, as the activity itself is still hazardous even with your experience.

How to find affordable life insurance for scuba divers?

Several aspects of diving contribute to scuba diver life insurance rates, and they all come down to one thing: the safer you dive, the lower your rates will be.

To ensure you have affordable life insurance, make sure to become certified before you start diving regularly and do safer dives whenever you can.

If you are working as a scuba diver and regularly participate in dives classified as more dangerous, the best thing you can do is to shop around.

Get life insurance quotes for scuba divers from multiple companies and take time to compare rates and coverage.

Ready to buy life insurance for scuba divers? Enter your ZIP code below, and we will help you find affordable life insurance rates in your area.