Not all insurance companies are created equal, and that even applies to how they insure (or don’t insure) scuba divers. Some insurance companies may refuse to insure a diver who isn’t certified, while others may have more flexible options for professional divers. When you are shopping for a life insurance policy, it is important to keep your profession, lifestyle, and risk factors in mind so that you can get the best possible life insurance policy for the best possible rate.
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I really like it! Creative and effective.There are four different considerations underwriters use when evaluating scuba diving applicants. Otherwise, healthy scuba divers can benefit from knowing how insurance companies classify divers by:
certification type
dive depth
type of diving
diving experience
http://www.affordablelifeusa.com/scuba-diving-life-insurance-rates/