Can You Get Life Insurance if You’re Scuba-Certified?

Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

Understanding Life Insurance Eligibility for Scuba Divers

Scuba diving, while an exhilarating activity, introduces unique risks that life insurance providers take into account. Being scuba-certified does not automatically disqualify you from obtaining life insurance. However, certain factors related to your scuba diving activities will influence your eligibility and the rates you are offered.

Key Factors Considered by Insurers:

  1. Frequency of Dives: The number of dives you undertake annually can significantly impact your insurance rates. More frequent diving may be seen as a higher risk.
  2. Experience Level: Your experience and certification level in scuba diving are also critical. More experienced divers might be considered lower risk.
  3. Special Circumstances:
    • Professional Involvement: If you are a scuba diving instructor, this might affect your rates differently.
    • Work-Related Diving: Diving as part of your job, especially in high-risk environments, can influence your eligibility and rates.
    • Military Connections: If your scuba diving is related to military activities, especially in special forces, this is a crucial factor for insurance underwriting.

Example Scenarios

  • Recreational Diver: Dives occasionally for leisure. Likely to receive standard rates with minimal impact on insurance costs.
  • Dive Instructor: Regular dives for professional purposes. Might face slightly higher rates due to increased exposure.
  • Military Diver: Engaged in high-risk diving activities. Could see significantly higher rates or specific exclusions based on the risk profile.


While being scuba-certified introduces certain considerations for life insurance, it doesn’t automatically disqualify you. Insurers will assess the risk based on your diving frequency, experience, and any special circumstances related to your diving activities. Understanding these factors can help you better navigate the process of obtaining life insurance as a scuba diver.

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Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

Shawn Plummer is a Chartered Retirement Planning Counselor, insurance agent, and annuity broker with over 14 years of first-hand experience with annuities and insurance. Since beginning his journey in 2009, he has been pivotal in selling and educating about annuities and insurance products. Still, he has also played an instrumental role in training financial advisors for a prestigious Fortune Global 500 insurance company, Allianz. His insights and expertise have made him a sought-after voice in the industry, leading to features in renowned publications such as Time Magazine, Bloomberg, Entrepreneur, Yahoo! Finance, MSN, SmartAsset, The Simple Dollar, U.S. News and World Report, Women’s Health Magazine, and many more. Shawn’s driving ambition? To simplify retirement planning, he ensures his clients understand their choices and secure the best insurance coverage at unbeatable rates.

The Annuity Expert is an independent online insurance agency servicing consumers across the United States. The goal is to help you take the guesswork out of retirement planning and find the best insurance coverage at the cheapest rates

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